Institution Statistics
| Bank of Walker County | | FDIC Certificate # | 57640 | | BankRate Report | View | | Year Established | 2004 | | Employees | 19 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $77.04 million | | Loans | $45.42 million | | Deposits | $67.22 million | | Equity Capital | $9.74 million | | Loan Loss Allowance | $675,000 | | Unbacked Noncurrent Loans | $90,000 | | Real Estate Owned | $269,000 |
Historic Data - December 2010 | | Assets | $84.26 million | | Equity Capital | $9.14 million | | Loan Loss Allowance | $869,000 | | Unbacked Noncurrent Loans | $485,000 | | Real Estate Owned | $1.12 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.55% | | Return on Assets | 0.58% | | Return on Equity | 5.03% | | Interest Income | $3.74 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 Walker County had $359,000 in non-current loans and owned real-estate with $10.41 million in equity and loan loss allowances on hand to cover it. This gives Bank of Walker County a Texas Ratio of 3.45% 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 Walker County decreased significantly from 16.01% as of December 31, 2010 to 3.45% as of December 31, 2011, resulting in a positive change of 78.46%.This indicates that the balance sheet and financial strength for Bank of Walker County has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Bank of Walker County has increased its total deposits by $505,000, resulting in 0.76% 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 Walker County has shown is average. | | 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 Walker County has $77.04 million in assets with $10.41 million in equity, resulting in a capitalization level of 13.51%, which is excellent. |
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Average User Rating:
Bank Of Walker County Is A Very Flexible And Helpful Bank.
Bank of Walker County is a very flexible and helpful bank. I discovered this recently when my employer wanted to close a retirement account they for me and my fellow employees. All of us had vested interest in this account but it had to be closed. Walker County Bank sent a representative to talk with us in a meeting and help us roll our retirement into CDs. I took advantage of this and my interest has capitalized several times already. My account just keeps growing. I made a few withdrawals and I was amazed at how quickly and effortlessly I received my money. They really go out of their way to cater to their customers. They have the latest technology, but they also know that nothing can take the place of virtues, service and caring for our customers. They are bringing back customer respect and appreciation.