Institution Statistics
| Community Bank of Cameron | | FDIC Certificate # | 12349 | | BankRate Report | View | | Year Established | 1903 | | Employees | 26 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $108.44 million | | Loans | $76.99 million | | Deposits | $92.33 million | | Equity Capital | $9.66 million | | Loan Loss Allowance | $1.14 million | | Unbacked Noncurrent Loans | $1.43 million | | Real Estate Owned | $268,000 |
Historic Data - March 2011 | | Assets | $99.94 million | | Equity Capital | $8.52 million | | Loan Loss Allowance | $1.19 million | | Unbacked Noncurrent Loans | $1.19 million | | Real Estate Owned | $252,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.66% | | Return on Assets | 1.3% | | Return on Equity | 14.41% | | Interest Income | $1.14 million |
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Institution Health
Overall Score:
4 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 Community Bank of Cameron had $1.7 million in non-current loans and owned real-estate with $10.8 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Cameron a Texas Ratio of 15.71% 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 Community Bank of Cameron held steady from 14.84% as of March 31, 2011 to 15.71% as of March 31, 2012, resulting in a negative change of 5.89%. This indicates that the balance sheet and financial strength for Community Bank of Cameron has held steady in recent periods. | | Deposit Growth |  | | In the past year, Community Bank of Cameron has increased its total deposits by $7 million, resulting in 8.2% 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 Community Bank of Cameron 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. Community Bank of Cameron has $108.44 million in assets with $10.8 million in equity, resulting in a capitalization level of 9.96%, which is average. |
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