Institution Statistics
| Clinton Bank | | FDIC Certificate # | 304 | | BankRate Report | View | | Year Established | 1887 | | Employees | 14 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $55.88 million | | Loans | $25.59 million | | Deposits | $39.86 million | | Equity Capital | $9.87 million | | Loan Loss Allowance | $368,000 | | Unbacked Noncurrent Loans | $1,000,000 |
Historic Data - March 2011 | | Assets | $51.74 million | | Equity Capital | $9.30 million | | Loan Loss Allowance | $468,000 | | Unbacked Noncurrent Loans | $523,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.34% | | Return on Assets | 0.83% | | Return on Equity | 4.62% | | Interest Income | $521,000 |
|
|
Institution Health
Overall Score:
5 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 Clinton Bank had $1,000,000 in non-current loans and owned real-estate with $10.24 million in equity and loan loss allowances on hand to cover it. This gives Clinton Bank a Texas Ratio of 9.77% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Clinton Bank held steady from 5.36% as of March 31, 2011 to 9.77% as of March 31, 2012, resulting in a negative change of 82.39%. This indicates that the balance sheet and financial strength for Clinton Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Clinton Bank has increased its total deposits by $4.19 million, resulting in 11.75% 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 Clinton 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. Clinton Bank has $55.88 million in assets with $10.24 million in equity, resulting in a capitalization level of 18.32%, which is excellent. |
|
