Institution Statistics
| BTC Bank | | FDIC Certificate # | 10618 | | BankRate Report | View | | Year Established | 1919 | | Employees | 62 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $324.96 million | | Loans | $191.75 million | | Deposits | $285.67 million | | Equity Capital | $35.57 million | | Loan Loss Allowance | $2.53 million | | Unbacked Noncurrent Loans | $5.07 million | | Real Estate Owned | $1.49 million |
Historic Data - December 2010 | | Assets | $304.64 million | | Equity Capital | $30.59 million | | Loan Loss Allowance | $2.35 million | | Unbacked Noncurrent Loans | $6.26 million | | Real Estate Owned | $501,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.07% | | Return on Assets | 1.46% | | Return on Equity | 13.93% | | Interest Income | $15.66 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 BTC Bank had $6.55 million in non-current loans and owned real-estate with $38.09 million in equity and loan loss allowances on hand to cover it. This gives BTC Bank a Texas Ratio of 17.21% 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 BTC Bank decreased slightly from 20.53% as of December 31, 2010 to 17.21% as of December 31, 2011, resulting in a positive change of 16.18%.This indicates that the balance sheet and financial strength for BTC Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, BTC Bank has increased its total deposits by $16.86 million, resulting in 6.27% 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 BTC 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. BTC Bank has $324.96 million in assets with $38.09 million in equity, resulting in a capitalization level of 11.72%, which is above average. |
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