Institution Statistics
| Barwick Banking Company | | FDIC Certificate # | 22205 | | BankRate Report | View | | Year Established | 1934 | | Employees | 3 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $12.53 million | | Loans | $3.80 million | | Deposits | $11.71 million | | Equity Capital | $817,000 | | Loan Loss Allowance | $84,000 |
Historic Data - December 2010 | | Assets | $12.57 million | | Equity Capital | $788,000 | | Loan Loss Allowance | $84,000 | | Unbacked Noncurrent Loans | $11,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.21% | | Return on Assets | 0.23% | | Return on Equity | 3.79% | | Interest Income | $360,000 |
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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 Barwick Banking Company had $0 in non-current loans and owned real-estate with $901,000 in equity and loan loss allowances on hand to cover it. This gives Barwick Banking Company a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Barwick Banking Company has decreased its total deposits by $-55,000, resulting in -0.47% 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 Barwick Banking Company 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. Barwick Banking Company has $12.53 million in assets with $901,000 in equity, resulting in a capitalization level of 7.19%, which is below average. |
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