Institution Statistics
| Boulevard Bank | | OTS # | 06033 | | FDIC Certificate # | 30866 | | BankRate Report | View | | Year Established | 1884 | | Employees | 67 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $161.40 million | | Loans | $93.76 million | | Deposits | $131.99 million | | Equity Capital | $13.46 million | | Loan Loss Allowance | $1.04 million | | Unbacked Noncurrent Loans | $723,000 | | Real Estate Owned | $189,000 |
Historic Data - December 2010 | | Assets | $146.16 million | | Equity Capital | $12.72 million | | Loan Loss Allowance | $774,000 | | Unbacked Noncurrent Loans | $1.31 million | | Real Estate Owned | $601,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.81% | | Return on Assets | 0.66% | | Return on Equity | 7.4% | | Interest Income | $8.15 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 Boulevard Bank had $912,000 in non-current loans and owned real-estate with $14.5 million in equity and loan loss allowances on hand to cover it. This gives Boulevard Bank a Texas Ratio of 6.29% 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 Boulevard Bank decreased significantly from 14.12% as of December 31, 2010 to 6.29% as of December 31, 2011, resulting in a positive change of 55.46%.This indicates that the balance sheet and financial strength for Boulevard Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Boulevard Bank has increased its total deposits by $13.47 million, resulting in 11.36% 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 Boulevard 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. Boulevard Bank has $161.4 million in assets with $14.5 million in equity, resulting in a capitalization level of 8.98%, which is average. |
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