Institution Statistics
| Calumet County Bank | | FDIC Certificate # | 11607 | | BankRate Report | View | | Year Established | 1921 | | Employees | 22 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $95.40 million | | Loans | $56.49 million | | Deposits | $85.93 million | | Equity Capital | $9.31 million | | Loan Loss Allowance | $1.06 million | | Unbacked Noncurrent Loans | $3.35 million |
Historic Data - December 2010 | | Assets | $89.63 million | | Equity Capital | $8.23 million | | Loan Loss Allowance | $969,000 | | Unbacked Noncurrent Loans | $1.90 million | | Real Estate Owned | $277,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.04% | | Return on Assets | 0.76% | | Return on Equity | 7.75% | | Interest Income | $3.83 million |
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Institution Health
Overall Score:
3 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 Calumet County Bank had $3.35 million in non-current loans and owned real-estate with $10.37 million in equity and loan loss allowances on hand to cover it. This gives Calumet County Bank a Texas Ratio of 32.28% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Calumet County Bank increased slightly from 23.62% as of December 31, 2010 to 32.28% as of December 31, 2011, resulting in a negative change of 36.68%. This indicates that the balance sheet and financial strength for Calumet County Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Calumet County Bank has increased its total deposits by $4.73 million, resulting in 5.82% 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 Calumet County 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. Calumet County Bank has $95.4 million in assets with $10.37 million in equity, resulting in a capitalization level of 10.87%, which is above average. |
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