Institution Statistics
| Bank of Walnut Grove | | FDIC Certificate # | 8558 | | BankRate Report | View | | Year Established | 1923 | | Employees | 13 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $48.55 million | | Loans | $24.72 million | | Deposits | $41.48 million | | Equity Capital | $6.97 million | | Loan Loss Allowance | $580,000 | | Real Estate Owned | $25,000 |
Historic Data - December 2010 | | Assets | $48.36 million | | Equity Capital | $6.71 million | | Loan Loss Allowance | $580,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.54% | | Return on Assets | 1.02% | | Return on Equity | 7.2% | | Interest Income | $2.14 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 Walnut Grove had $25,000 in non-current loans and owned real-estate with $7.55 million in equity and loan loss allowances on hand to cover it. This gives Bank of Walnut Grove a Texas Ratio of 0.33% 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 Walnut Grove has decreased its total deposits by $-70,000, resulting in -0.17% 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 Walnut Grove 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 Walnut Grove has $48.55 million in assets with $7.55 million in equity, resulting in a capitalization level of 15.54%, which is excellent. |
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