Institution Statistics
| Cross County Bank | | FDIC Certificate # | 13821 | | BankRate Report | View | | Year Established | 1891 | | Employees | 61 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $182.71 million | | Loans | $142.02 million | | Deposits | $140.47 million | | Equity Capital | $21.54 million | | Loan Loss Allowance | $2.24 million | | Unbacked Noncurrent Loans | $2.60 million | | Real Estate Owned | $4.43 million |
Historic Data - September 2010 | | Assets | $164.17 million | | Equity Capital | $20.54 million | | Loan Loss Allowance | $2.80 million | | Unbacked Noncurrent Loans | $4.44 million | | Real Estate Owned | $3.83 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.51% | | Return on Assets | 0.69% | | Return on Equity | 5.59% | | Interest Income | $6.28 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 September 30, 2011 Cross County Bank had $7.03 million in non-current loans and owned real-estate with $23.77 million in equity and loan loss allowances on hand to cover it. This gives Cross County Bank a Texas Ratio of 29.59% 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 Cross County Bank decreased slightly from 35.61% as of September 30, 2010 to 29.59% as of September 30, 2011, resulting in a positive change of 16.91%.This indicates that the balance sheet and financial strength for Cross County Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Cross County Bank has decreased its total deposits by -$1.33 million, resulting in -0.94% 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 Cross County Bank has shown is 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. Cross County Bank has $182.71 million in assets with $23.77 million in equity, resulting in a capitalization level of 13.01%, which is excellent. |
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