Institution Statistics
| Bucks County Bank | | FDIC Certificate # | 57804 | | BankRate Report | View | | Year Established | 2004 | | Employees | 51 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $207.42 million | | Loans | $128.31 million | | Deposits | $158.86 million | | Equity Capital | $17.57 million | | Loan Loss Allowance | $2.64 million | | Unbacked Noncurrent Loans | $1.78 million | | Real Estate Owned | $2.32 million |
Historic Data - December 2010 | | Assets | $206.71 million | | Equity Capital | $17.38 million | | Loan Loss Allowance | $3.23 million | | Unbacked Noncurrent Loans | $3.67 million | | Real Estate Owned | $3.91 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.17% | | Return on Assets | 0.09% | | Return on Equity | 1.14% | | Interest Income | $9.13 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 Bucks County Bank had $4.1 million in non-current loans and owned real-estate with $20.2 million in equity and loan loss allowances on hand to cover it. This gives Bucks County Bank a Texas Ratio of 20.30% 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 Bucks County Bank decreased significantly from 36.77% as of December 31, 2010 to 20.30% as of December 31, 2011, resulting in a positive change of 44.80%.This indicates that the balance sheet and financial strength for Bucks County Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Bucks County Bank has increased its total deposits by $5.92 million, resulting in 3.87% 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 Bucks County Bank has shown is above average. | | 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. Bucks County Bank has $207.42 million in assets with $20.2 million in equity, resulting in a capitalization level of 9.74%, which is average. |
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