Institution Statistics
| Chickasha Bank & Trust Company | | FDIC Certificate # | 21012 | | BankRate Report | View | | Year Established | 1973 | | Employees | 75 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $178.51 million | | Loans | $121.70 million | | Deposits | $158.91 million | | Equity Capital | $17.32 million | | Loan Loss Allowance | $2.09 million | | Unbacked Noncurrent Loans | $3.11 million | | Real Estate Owned | $2.28 million |
Historic Data - March 2011 | | Assets | $180.33 million | | Equity Capital | $16.05 million | | Loan Loss Allowance | $2.13 million | | Unbacked Noncurrent Loans | $5.00 million | | Real Estate Owned | $810,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.43% | | Return on Assets | 1.54% | | Return on Equity | 16.1% | | Interest Income | $2.32 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 March 31, 2012 Chickasha Bank & Trust Company had $5.39 million in non-current loans and owned real-estate with $19.41 million in equity and loan loss allowances on hand to cover it. This gives Chickasha Bank & Trust Company a Texas Ratio of 27.78% 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 Chickasha Bank & Trust Company decreased slightly from 33.29% as of March 31, 2011 to 27.78% as of March 31, 2012, resulting in a positive change of 16.55%.This indicates that the balance sheet and financial strength for Chickasha Bank & Trust Company has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Chickasha Bank & Trust Company has decreased its total deposits by -$2.08 million, resulting in -1.29% 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 Chickasha Bank & Trust Company has shown is below 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. Chickasha Bank & Trust Company has $178.51 million in assets with $19.41 million in equity, resulting in a capitalization level of 10.88%, which is above average. |
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