Institution Statistics
| Boone Bank & Trust Co. | | FDIC Certificate # | 33552 | | BankRate Report | View | | Year Established | 1992 | | Employees | 26 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $118.35 million | | Loans | $48.35 million | | Deposits | $88.48 million | | Equity Capital | $13.92 million | | Loan Loss Allowance | $777,000 | | Unbacked Noncurrent Loans | $409,000 | | Real Estate Owned | $546,000 |
Historic Data - December 2010 | | Assets | $105.09 million | | Equity Capital | $12.97 million | | Loan Loss Allowance | $788,000 | | Unbacked Noncurrent Loans | $358,000 | | Real Estate Owned | $680,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.65% | | Return on Assets | 1.56% | | Return on Equity | 13.58% | | Interest Income | $4.88 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 Boone Bank & Trust Co. had $955,000 in non-current loans and owned real-estate with $14.69 million in equity and loan loss allowances on hand to cover it. This gives Boone Bank & Trust Co. a Texas Ratio of 6.50% 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 Boone Bank & Trust Co. held steady from 7.55% as of December 31, 2010 to 6.50% as of December 31, 2011, resulting in a positive change of 13.86%.This indicates that the balance sheet and financial strength for Boone Bank & Trust Co. has held steady in recent periods. | | Deposit Growth | | | In the past year, Boone Bank & Trust Co. has increased its total deposits by $10.8 million, resulting in 13.9% 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 Boone Bank & Trust Co. 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. Boone Bank & Trust Co. has $118.35 million in assets with $14.69 million in equity, resulting in a capitalization level of 12.41%, which is excellent. |
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