Institution Statistics
| Bank of Camilla | | FDIC Certificate # | 17190 | | BankRate Report | View | | Year Established | 1890 | | Employees | 32 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $105.46 million | | Loans | $57.81 million | | Deposits | $89.14 million | | Equity Capital | $12.97 million | | Loan Loss Allowance | $1.87 million | | Unbacked Noncurrent Loans | $8.68 million | | Real Estate Owned | $1.25 million |
Historic Data - December 2010 | | Assets | $111.71 million | | Equity Capital | $11.72 million | | Loan Loss Allowance | $2.18 million | | Unbacked Noncurrent Loans | $5.64 million | | Real Estate Owned | $1.03 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.94% | | Return on Assets | 0.84% | | Return on Equity | 7.33% | | Interest Income | $5.11 million |
|
|
Institution Health
Overall Score:
3 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 Bank of Camilla had $9.93 million in non-current loans and owned real-estate with $14.83 million in equity and loan loss allowances on hand to cover it. This gives Bank of Camilla a Texas Ratio of 66.93% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Bank of Camilla increased slightly from 47.94% as of December 31, 2010 to 66.93% as of December 31, 2011, resulting in a negative change of 39.61%. This indicates that the balance sheet and financial strength for Bank of Camilla has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Bank of Camilla has increased its total deposits by $2.44 million, resulting in 2.82% 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 Bank of Camilla has shown is above 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. Bank of Camilla has $105.46 million in assets with $14.83 million in equity, resulting in a capitalization level of 14.07%, which is excellent. |
|
Average User Rating:
Doing Business With The Bank Of Camilla
This bank is the absolute worst bank to deal with. If you're looking for some place to get a loan DO NOT go to this place. They'll yank you around for MONTHS without accomplishing anything. A lot of the people that work there don't even act like they know what is going on. They deal with this type stuff everyday. It's absolutely ridiculous. I would not recommend this place to anyone.