Institution Statistics
| Bank of Manhattan, N.A. | | FDIC Certificate # | 58568 | | BankRate Report | View | | Year Established | 2007 | | Employees | 92 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $198.71 million | | Loans | $155.79 million | | Deposits | $172.70 million | | Equity Capital | $17.79 million | | Loan Loss Allowance | $1.97 million | | Unbacked Noncurrent Loans | $2.26 million |
Historic Data - December 2010 | | Assets | $150.92 million | | Equity Capital | $21.31 million | | Loan Loss Allowance | $1.88 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.53% | | Return on Assets | -2.3% | | Return on Equity | -18.17% | | Interest Income | $6.07 million |
|
|
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 Bank of Manhattan, N.A. had $2.26 million in non-current loans and owned real-estate with $19.76 million in equity and loan loss allowances on hand to cover it. This gives Bank of Manhattan, N.A. a Texas Ratio of 11.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Bank of Manhattan, N.A. has increased its total deposits by $48.35 million, resulting in 38.88% 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 Manhattan, N.A. 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 Manhattan, N.A. has $198.71 million in assets with $19.76 million in equity, resulting in a capitalization level of 9.94%, which is average. |
|
