Institution Statistics
| Anson Bank & Trust Co. | | FDIC Certificate # | 30079 | | BankRate Report | View | | Year Established | 1889 | | Employees | 8 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $56.83 million | | Loans | $40.28 million | | Deposits | $47.22 million | | Equity Capital | $6.89 million | | Loan Loss Allowance | $1.00 million | | Unbacked Noncurrent Loans | $810,000 | | Real Estate Owned | $1.37 million |
Historic Data - December 2010 | | Assets | $58.01 million | | Equity Capital | $5.65 million | | Loan Loss Allowance | $969,000 | | Unbacked Noncurrent Loans | $1.53 million | | Real Estate Owned | $655,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.53% | | Return on Assets | 0.34% | | Return on Equity | 3.04% | | Interest Income | $2.75 million |
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Institution Health
Overall Score:
4 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 Anson Bank & Trust Co. had $2.18 million in non-current loans and owned real-estate with $7.89 million in equity and loan loss allowances on hand to cover it. This gives Anson Bank & Trust Co. a Texas Ratio of 27.61% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Anson Bank & Trust Co. decreased slightly from 33.44% as of December 31, 2010 to 27.61% as of December 31, 2011, resulting in a positive change of 17.44%.This indicates that the balance sheet and financial strength for Anson Bank & Trust Co. has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Anson Bank & Trust Co. has decreased its total deposits by $-961,000, resulting in -1.99% 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 Anson Bank & Trust Co. has shown is below average. | | 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. Anson Bank & Trust Co. has $56.83 million in assets with $7.89 million in equity, resulting in a capitalization level of 13.88%, which is excellent. |
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