Institution Statistics
| Bankers' Bank, Northeast | | FDIC Certificate # | 34858 | | BankRate Report | View | | Year Established | 1998 | | Employees | 28 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $109.56 million | | Loans | $21.61 million | | Deposits | $87.30 million | | Equity Capital | $14.67 million | | Loan Loss Allowance | $626,000 | | Unbacked Noncurrent Loans | $716,000 |
Historic Data - December 2010 | | Assets | $88.69 million | | Equity Capital | $13.03 million | | Loan Loss Allowance | $641,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.77% | | Return on Assets | 0.75% | | Return on Equity | 5.73% | | Interest Income | $2.68 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 Bankers' Bank, Northeast had $716,000 in non-current loans and owned real-estate with $15.29 million in equity and loan loss allowances on hand to cover it. This gives Bankers' Bank, Northeast a Texas Ratio of 4.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Bankers' Bank, Northeast has increased its total deposits by $12.64 million, resulting in 16.93% 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 Bankers' Bank, Northeast 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. Bankers' Bank, Northeast has $109.56 million in assets with $15.29 million in equity, resulting in a capitalization level of 13.96%, which is excellent. |
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