Bank of Pine Hill

Bank of Pine Hill is headquartered in Pine Hill and is the 140^th largest bank in the state of Alabama. It is also the 7,093^rd largest bank in the nation. It was established in 1947 and as of December of 2011, it had grown to 9 employees at 1 location. Bank of Pine Hill has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bank of Pine Hill FDIC Certificate # 16607 BankRate Report View Year Established 1947 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $25.21 million Loans $5.42 million Deposits $21.30 million Equity Capital $3.36 million Loan Loss Allowance $145,000 Unbacked Noncurrent Loans $452,000 Historic Data - December 2010 Assets $26.74 million Equity Capital $2.94 million Loan Loss Allowance $145,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 2.67% Return on Assets 0.18% Return on Equity 1.46% Interest Income $936,000

Institution Health Overall Score: 3 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 Pine Hill had $452,000 in non-current loans and owned real-estate with $3.5 million in equity and loan loss allowances on hand to cover it. This gives Bank of Pine Hill a Texas Ratio of 12.90% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Pine Hill increased slightly from 0.10% as of December 31, 2010 to 12.90% as of December 31, 2011, resulting in a negative change of 13,155.91%. This indicates that the balance sheet and financial strength for Bank of Pine Hill has declined slightly in recent periods. Deposit Growth In the past year, Bank of Pine Hill has decreased its total deposits by -$1.48 million, resulting in -6.48% 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 Pine Hill has shown is poor. 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 Pine Hill has $25.21 million in assets with $3.5 million in equity, resulting in a capitalization level of 13.90%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.