Institution Statistics
| Brickyard Bank | | FDIC Certificate # | 22811 | | BankRate Report | View | | Year Established | 1979 | | Employees | 23 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $135.99 million | | Loans | $85.23 million | | Deposits | $122.73 million | | Equity Capital | $12.16 million | | Loan Loss Allowance | $2.42 million | | Unbacked Noncurrent Loans | $4.26 million | | Real Estate Owned | $13.13 million |
Historic Data - December 2010 | | Assets | $160.56 million | | Equity Capital | $13.13 million | | Loan Loss Allowance | $3.10 million | | Unbacked Noncurrent Loans | $9.91 million | | Real Estate Owned | $11.02 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.66% | | Return on Assets | -0.74% | | Return on Equity | -8.41% | | Interest Income | $6.24 million |
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Institution Health
Overall Score:
2 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 Brickyard Bank had $17.39 million in non-current loans and owned real-estate with $14.58 million in equity and loan loss allowances on hand to cover it. This gives Brickyard Bank a Texas Ratio of 119.27% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Brickyard Bank held steady from 128.93% as of December 31, 2010 to 119.27% as of December 31, 2011, resulting in a positive change of 7.50%.This indicates that the balance sheet and financial strength for Brickyard Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Brickyard Bank has decreased its total deposits by -$23.2 million, resulting in -15.9% 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 Brickyard Bank has shown is poor. | | 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. Brickyard Bank has $135.99 million in assets with $14.58 million in equity, resulting in a capitalization level of 10.72%, which is above average. |
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