Institution Statistics
| Bank of Putnam County | | FDIC Certificate # | 8432 | | BankRate Report | View | | Year Established | 1901 | | Employees | 90 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $371.26 million | | Loans | $164.18 million | | Deposits | $339.26 million | | Equity Capital | $27.63 million | | Loan Loss Allowance | $1.43 million | | Unbacked Noncurrent Loans | $236,000 |
Historic Data - December 2010 | | Assets | $347.67 million | | Equity Capital | $26.63 million | | Loan Loss Allowance | $1.43 million | | Unbacked Noncurrent Loans | $83,000 | | Real Estate Owned | $60,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.68% | | Return on Assets | 1.05% | | Return on Equity | 13.81% | | Interest Income | $12.28 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 Putnam County had $236,000 in non-current loans and owned real-estate with $29.06 million in equity and loan loss allowances on hand to cover it. This gives Bank of Putnam County a Texas Ratio of 0.81% 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 Putnam County held steady from 0.51% as of December 31, 2010 to 0.81% as of December 31, 2011, resulting in a negative change of 59.34%. This indicates that the balance sheet and financial strength for Bank of Putnam County has held steady in recent periods. | | Deposit Growth | | | In the past year, Bank of Putnam County has increased its total deposits by $22.47 million, resulting in 7.09% 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 Putnam County 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 Putnam County has $371.26 million in assets with $29.06 million in equity, resulting in a capitalization level of 7.83%, which is below average. |
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