Institution Statistics
| AllNations Bank | | FDIC Certificate # | 4051 | | BankRate Report | View | | Year Established | 1901 | | Employees | 10 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $38.24 million | | Loans | $12.04 million | | Deposits | $33.32 million | | Equity Capital | $4.64 million | | Loan Loss Allowance | $351,000 | | Unbacked Noncurrent Loans | $186,000 |
Historic Data - December 2010 | | Assets | $31.97 million | | Equity Capital | $4.58 million | | Loan Loss Allowance | $373,000 | | Unbacked Noncurrent Loans | $161,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.92% | | Return on Assets | -0.09% | | Return on Equity | -0.72% | | Interest Income | $1.27 million |
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Institution Health
Overall Score:
5 out of 5
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 AllNations Bank had $186,000 in non-current loans and owned real-estate with $4.99 million in equity and loan loss allowances on hand to cover it. This gives AllNations Bank a Texas Ratio of 3.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for AllNations Bank held steady from 3.25% as of December 31, 2010 to 3.73% as of December 31, 2011, resulting in a negative change of 14.58%. This indicates that the balance sheet and financial strength for AllNations Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, AllNations Bank has increased its total deposits by $6.18 million, resulting in 22.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AllNations Bank has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AllNations Bank has $38.24 million in assets with $4.99 million in equity, resulting in a capitalization level of 13.05%, which is excellent. |
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