Institution Statistics
| Banesco USA | | FDIC Certificate # | 57815 | | BankRate Report | View | | Year Established | 2006 | | Employees | 94 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $490.42 million | | Loans | $291.67 million | | Deposits | $425.46 million | | Equity Capital | $43.33 million | | Loan Loss Allowance | $3.99 million | | Unbacked Noncurrent Loans | $2.78 million | | Real Estate Owned | $552,000 |
Historic Data - December 2010 | | Assets | $402.12 million | | Equity Capital | $35.26 million | | Loan Loss Allowance | $3.11 million | | Unbacked Noncurrent Loans | $2.42 million | | Real Estate Owned | $2.73 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.72% | | Return on Assets | 0.88% | | Return on Equity | 9.71% | | Interest Income | $17.94 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 BBU Bank had $3.33 million in non-current loans and owned real-estate with $47.32 million in equity and loan loss allowances on hand to cover it. This gives BBU Bank a Texas Ratio of 7.04% 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 BBU Bank decreased significantly from 13.42% as of December 31, 2010 to 7.04% as of December 31, 2011, resulting in a positive change of 47.56%.This indicates that the balance sheet and financial strength for BBU Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, BBU Bank has increased its total deposits by $77.52 million, resulting in 22.28% 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 BBU Bank 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. BBU Bank has $490.42 million in assets with $47.32 million in equity, resulting in a capitalization level of 9.65%, which is average. |
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