Institution Statistics
| Atkins Savings Bank & Trust | | FDIC Certificate # | 9096 | | BankRate Report | View | | Year Established | 1915 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $69.80 million | | Loans | $28.65 million | | Deposits | $62.69 million | | Equity Capital | $6.31 million | | Loan Loss Allowance | $374,000 | | Unbacked Noncurrent Loans | $8,000 |
Historic Data - December 2010 | | Assets | $62.04 million | | Equity Capital | $4.40 million | | Loan Loss Allowance | $278,000 | | Unbacked Noncurrent Loans | $67,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.02% | | Return on Assets | 1.18% | | Return on Equity | 13.76% | | Interest Income | $2.76 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 Atkins Savings Bank & Trust had $8,000 in non-current loans and owned real-estate with $6.69 million in equity and loan loss allowances on hand to cover it. This gives Atkins Savings Bank & Trust a Texas Ratio of 0.12% 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 Atkins Savings Bank & Trust decreased significantly from 1.43% as of December 31, 2010 to 0.12% as of December 31, 2011, resulting in a positive change of 91.65%.This indicates that the balance sheet and financial strength for Atkins Savings Bank & Trust has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Atkins Savings Bank & Trust has increased its total deposits by $5.57 million, resulting in 9.76% 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 Atkins Savings Bank & Trust 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. Atkins Savings Bank & Trust has $69.8 million in assets with $6.69 million in equity, resulting in a capitalization level of 9.58%, which is average. |
|
