Institution Statistics
| Bellerive Bank | | FDIC Certificate # | 17690 | | BankRate Report | View | | Year Established | 1956 | | Employees | 4 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $9.70 million | | Loans | $3.86 million | | Deposits | $8.36 million | | Equity Capital | $1.33 million | | Loan Loss Allowance | $35,000 | | Real Estate Owned | $50,000 |
Historic Data - December 2010 | | Assets | $9.55 million | | Equity Capital | $1.42 million | | Loan Loss Allowance | $85,000 | | Unbacked Noncurrent Loans | $50,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.46% | | Return on Assets | -0.87% | | Return on Equity | -5.98% | | Interest Income | $326,000 |
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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 Bellerive Bank had $50,000 in non-current loans and owned real-estate with $1.36 million in equity and loan loss allowances on hand to cover it. This gives Bellerive Bank a Texas Ratio of 3.67% 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 Bellerive Bank held steady from 3.33% as of December 31, 2010 to 3.67% as of December 31, 2011, resulting in a negative change of 10.04%. This indicates that the balance sheet and financial strength for Bellerive Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Bellerive Bank has increased its total deposits by $259,000, resulting in 3.2% 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 Bellerive Bank 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. Bellerive Bank has $9.7 million in assets with $1.36 million in equity, resulting in a capitalization level of 14.07%, which is excellent. |
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