Institution Statistics
| Bank of Winnfield & Trust Company | | FDIC Certificate # | 9323 | | BankRate Report | View | | Year Established | 1901 | | Employees | 34 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $131.88 million | | Loans | $62.22 million | | Deposits | $113.69 million | | Equity Capital | $15.32 million | | Loan Loss Allowance | $823,000 | | Unbacked Noncurrent Loans | $2.71 million | | Real Estate Owned | $200,000 |
Historic Data - December 2010 | | Assets | $126.05 million | | Equity Capital | $13.98 million | | Loan Loss Allowance | $808,000 | | Unbacked Noncurrent Loans | $2.76 million | | Real Estate Owned | $346,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.93% | | Return on Assets | 1.43% | | Return on Equity | 12.76% | | Interest Income | $5.29 million |
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Institution Health
Overall Score:
4 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 Winnfield & Trust Company had $2.9 million in non-current loans and owned real-estate with $16.15 million in equity and loan loss allowances on hand to cover it. This gives Bank of Winnfield & Trust Company a Texas Ratio of 17.99% which is 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 Winnfield & Trust Company held steady from 21.02% as of December 31, 2010 to 17.99% as of December 31, 2011, resulting in a positive change of 14.39%.This indicates that the balance sheet and financial strength for Bank of Winnfield & Trust Company has held steady in recent periods. | | Deposit Growth |  | | In the past year, Bank of Winnfield & Trust Company has increased its total deposits by $5.05 million, resulting in 4.65% 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 Winnfield & Trust Company has shown is above 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 Winnfield & Trust Company has $131.88 million in assets with $16.15 million in equity, resulting in a capitalization level of 12.24%, which is excellent. |
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