Institution Statistics
| Commercial Bank of Mott | | FDIC Certificate # | 15741 | | BankRate Report | View | | Year Established | 1940 | | Employees | 11 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $82.26 million | | Loans | $51.52 million | | Deposits | $72.13 million | | Equity Capital | $7.36 million | | Loan Loss Allowance | $553,000 | | Unbacked Noncurrent Loans | $6,000 |
Historic Data - March 2011 | | Assets | $74.22 million | | Equity Capital | $5.47 million | | Loan Loss Allowance | $496,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.33% | | Return on Assets | 0.7% | | Return on Equity | 7.92% | | Interest Income | $858,000 |
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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 Commercial Bank of Mott had $6,000 in non-current loans and owned real-estate with $7.91 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank of Mott a Texas Ratio of 0.08% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Commercial Bank of Mott has increased its total deposits by $6 million, resulting in 9.07% 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 Commercial Bank of Mott 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. Commercial Bank of Mott has $82.26 million in assets with $7.91 million in equity, resulting in a capitalization level of 9.62%, which is average. |
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