Institution Statistics
| Amistad Bank | | FDIC Certificate # | 26658 | | BankRate Report | View | | Year Established | 1986 | | Employees | 13 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $22.71 million | | Loans | $13.78 million | | Deposits | $19.18 million | | Equity Capital | $3.00 million | | Loan Loss Allowance | $242,000 |
Historic Data - December 2010 | | Assets | $20.01 million | | Equity Capital | $2.81 million | | Loan Loss Allowance | $236,000 | | Unbacked Noncurrent Loans | $3,000 | | Real Estate Owned | $132,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.61% | | Return on Assets | 0.88% | | Return on Equity | 6.48% | | Interest Income | $1.12 million |
|
|
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 Amistad Bank had $0 in non-current loans and owned real-estate with $3.24 million in equity and loan loss allowances on hand to cover it. This gives Amistad Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Amistad Bank has increased its total deposits by $4.52 million, resulting in 30.88% 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 Amistad 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. Amistad Bank has $22.71 million in assets with $3.24 million in equity, resulting in a capitalization level of 14.27%, which is excellent. |
|
