Institution Statistics
| Bank of Hamilton | | FDIC Certificate # | 9127 | | BankRate Report | View | | Year Established | 1886 | | Employees | 3 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $19.14 million | | Loans | $3.38 million | | Deposits | $16.73 million | | Equity Capital | $2.37 million | | Loan Loss Allowance | $115,000 | | Unbacked Noncurrent Loans | $37,000 |
Historic Data - December 2010 | | Assets | $17.40 million | | Equity Capital | $2.37 million | | Loan Loss Allowance | $113,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.34% | | Return on Assets | 0.17% | | Return on Equity | 1.25% | | Interest Income | $391,000 |
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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 Bank of Hamilton had $37,000 in non-current loans and owned real-estate with $2.49 million in equity and loan loss allowances on hand to cover it. This gives Bank of Hamilton a Texas Ratio of 1.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Bank of Hamilton has increased its total deposits by $1.75 million, resulting in 11.7% 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 Hamilton 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. Bank of Hamilton has $19.14 million in assets with $2.49 million in equity, resulting in a capitalization level of 13.00%, which is excellent. |
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