Institution Statistics
| Bank of Marquette | | FDIC Certificate # | 5436 | | BankRate Report | View | | Year Established | 1887 | | Employees | 6 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $30.58 million | | Loans | $16.81 million | | Deposits | $23.54 million | | Equity Capital | $6.53 million | | Loan Loss Allowance | $282,000 | | Unbacked Noncurrent Loans | $237,000 |
Historic Data - December 2010 | | Assets | $31.20 million | | Equity Capital | $6.06 million | | Loan Loss Allowance | $383,000 | | Unbacked Noncurrent Loans | $245,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.93% | | Return on Assets | 1.25% | | Return on Equity | 6.08% | | Interest Income | $1.35 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 Bank of Marquette had $237,000 in non-current loans and owned real-estate with $6.81 million in equity and loan loss allowances on hand to cover it. This gives Bank of Marquette a Texas Ratio of 3.48% 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 Bank of Marquette held steady from 3.80% as of December 31, 2010 to 3.48% as of December 31, 2011, resulting in a positive change of 8.46%.This indicates that the balance sheet and financial strength for Bank of Marquette has held steady in recent periods. | | Deposit Growth |  | | In the past year, Bank of Marquette has increased its total deposits by $1.3 million, resulting in 5.84% 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 Marquette 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 Marquette has $30.58 million in assets with $6.81 million in equity, resulting in a capitalization level of 22.27%, which is excellent. |
|