Institution Statistics
| FDIC Certificate # | 58848 | | BankRate Report | View | | Year Established | 2009 | | Employees | 9 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $34.26 million | | Loans | $17.06 million | | Deposits | $27.64 million | | Equity Capital | $6.49 million | | Loan Loss Allowance | $220,000 |
Historic Data - March 2009 | | Assets | $8.41 million | | Equity Capital | $7.53 million | | Loan Loss Allowance | $220,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.08% | | Return on Assets | -2.66% | | Return on Equity | -13.05% | | Interest Income | $295,000 |
|
|
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 March 31, 2010 Bluegrass Community Bank had $ in non-current loans and owned real-estate with $6.71 million in equity and loan loss allowances on hand to cover it. This gives Bluegrass Community Bank 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, Bluegrass Community Bank has increased it's total deposits by $26.76 million, resulting in 3,055.25% 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 Bluegrass Community 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. Bluegrass Community Bank has $34.26 million in assets with $6.71 million in equity, resulting in a capitalization level of 19.57%, which is excellent. |
|
