Institution Statistics
| Bank of Lewellen | | FDIC Certificate # | 5425 | | BankRate Report | View | | Year Established | 1905 | | Employees | 4 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $21.16 million | | Loans | $11.69 million | | Deposits | $15.01 million | | Equity Capital | $5.96 million | | Loan Loss Allowance | $139,000 |
Historic Data - December 2010 | | Assets | $20.75 million | | Equity Capital | $5.70 million | | Loan Loss Allowance | $117,000 | | Unbacked Noncurrent Loans | $8,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.91% | | Return on Assets | 0.97% | | Return on Equity | 3.45% | | Interest Income | $1,000,000 |
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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 Lewellen had $0 in non-current loans and owned real-estate with $6.1 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lewellen 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, Bank of Lewellen has increased its total deposits by $563,000, resulting in 3.9% 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 Lewellen 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 Lewellen has $21.16 million in assets with $6.1 million in equity, resulting in a capitalization level of 28.84%, which is excellent. |
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