Institution Statistics
| Blackhawk Bank & Trust | | FDIC Certificate # | 18402 | | BankRate Report | View | | Year Established | 1961 | | Employees | 204 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.01 billion | | Loans | $427.90 million | | Deposits | $807.99 million | | Equity Capital | $91.74 million | | Loan Loss Allowance | $4.65 million | | Unbacked Noncurrent Loans | $15.29 million | | Real Estate Owned | $4.04 million |
Historic Data - December 2010 | | Assets | $863.66 million | | Equity Capital | $74.17 million | | Loan Loss Allowance | $4.61 million | | Unbacked Noncurrent Loans | $18.45 million | | Real Estate Owned | $1.85 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.8% | | Return on Assets | 1.32% | | Return on Equity | 14.26% | | Interest Income | $40.52 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 Blackhawk Bank & Trust had $19.33 million in non-current loans and owned real-estate with $96.39 million in equity and loan loss allowances on hand to cover it. This gives Blackhawk Bank & Trust a Texas Ratio of 20.06% 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 Blackhawk Bank & Trust decreased slightly from 25.77% as of December 31, 2010 to 20.06% as of December 31, 2011, resulting in a positive change of 22.18%.This indicates that the balance sheet and financial strength for Blackhawk Bank & Trust has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Blackhawk Bank & Trust has increased its total deposits by $86.05 million, resulting in 11.92% 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 Blackhawk Bank & Trust 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. Blackhawk Bank & Trust has $1.01 billion in assets with $96.39 million in equity, resulting in a capitalization level of 9.55%, which is average. |
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