Institution Statistics
| Bank of Newman Grove | | FDIC Certificate # | 5447 | | BankRate Report | View | | Year Established | 1900 | | Employees | 9 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $36.76 million | | Loans | $19.85 million | | Deposits | $31.31 million | | Equity Capital | $3.29 million | | Loan Loss Allowance | $297,000 |
Historic Data - December 2010 | | Assets | $34.03 million | | Equity Capital | $3.18 million | | Loan Loss Allowance | $295,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.11% | | Return on Assets | 0.41% | | Return on Equity | 4.53% | | Interest Income | $1.31 million |
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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 Newman Grove had $0 in non-current loans and owned real-estate with $3.59 million in equity and loan loss allowances on hand to cover it. This gives Bank of Newman Grove 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 Newman Grove has increased its total deposits by $2.32 million, resulting in 8.01% 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 Newman Grove 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 Newman Grove has $36.76 million in assets with $3.59 million in equity, resulting in a capitalization level of 9.76%, which is average. |
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