Institution Statistics
| Coffee County Bank | | FDIC Certificate # | 22090 | | BankRate Report | View | | Year Established | 1975 | | Employees | 37 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $120.92 million | | Loans | $93.51 million | | Deposits | $104.37 million | | Equity Capital | $12.95 million | | Loan Loss Allowance | $2.42 million | | Unbacked Noncurrent Loans | $5.87 million | | Real Estate Owned | $4.51 million |
Historic Data - March 2011 | | Assets | $126.48 million | | Equity Capital | $12.12 million | | Loan Loss Allowance | $2.40 million | | Unbacked Noncurrent Loans | $7.90 million | | Real Estate Owned | $4.00 million |
Profit Margin - Quarterly | | Net Interest Margin | 5.09% | | Return on Assets | 1.2% | | Return on Equity | 11.22% | | Interest Income | $1.79 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 Coffee County Bank had $10.37 million in non-current loans and owned real-estate with $15.37 million in equity and loan loss allowances on hand to cover it. This gives Coffee County Bank a Texas Ratio of 67.49% 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 Coffee County Bank decreased slightly from 81.91% as of March 31, 2011 to 67.49% as of March 31, 2012, resulting in a positive change of 17.60%.This indicates that the balance sheet and financial strength for Coffee County Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Coffee County Bank has decreased its total deposits by -$3.56 million, resulting in -3.3% 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 Coffee County Bank 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. Coffee County Bank has $120.92 million in assets with $15.37 million in equity, resulting in a capitalization level of 12.71%, which is excellent. |
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