Institution Statistics
| Country Club Bank | | FDIC Certificate # | 8888 | | BankRate Report | View | | Year Established | 1905 | | Employees | 336 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $1.14 billion | | Loans | $508.76 million | | Deposits | $915.31 million | | Equity Capital | $96.70 million | | Loan Loss Allowance | $11.35 million | | Unbacked Noncurrent Loans | $5.77 million | | Real Estate Owned | $4.93 million |
Historic Data - March 2011 | | Assets | $1.00 billion | | Equity Capital | $86.05 million | | Loan Loss Allowance | $12.28 million | | Unbacked Noncurrent Loans | $7.04 million | | Real Estate Owned | $4.29 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.44% | | Return on Assets | 1.52% | | Return on Equity | 17.53% | | Interest Income | $9.61 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 Country Club Bank had $10.7 million in non-current loans and owned real-estate with $108.05 million in equity and loan loss allowances on hand to cover it. This gives Country Club Bank a Texas Ratio of 9.91% 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 Country Club Bank held steady from 11.65% as of March 31, 2011 to 9.91% as of March 31, 2012, resulting in a positive change of 14.95%.This indicates that the balance sheet and financial strength for Country Club Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Country Club Bank has increased its total deposits by $117.31 million, resulting in 14.7% 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 Country Club 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. Country Club Bank has $1.14 billion in assets with $108.05 million in equity, resulting in a capitalization level of 9.49%, which is average. |
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