Institution Statistics
| Crown Bank | | FDIC Certificate # | 34259 | | BankRate Report | View | | Year Established | 1998 | | Employees | 105 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $575.26 million | | Loans | $456.26 million | | Deposits | $480.70 million | | Equity Capital | $73.01 million | | Loan Loss Allowance | $6.48 million | | Unbacked Noncurrent Loans | $69.13 million | | Real Estate Owned | $8.76 million |
Historic Data - March 2011 | | Assets | $522.99 million | | Equity Capital | $68.47 million | | Loan Loss Allowance | $6.13 million | | Unbacked Noncurrent Loans | $42.18 million | | Real Estate Owned | $5.20 million |
Profit Margin - Quarterly | | Net Interest Margin | 5.15% | | Return on Assets | 2.6% | | Return on Equity | 20.45% | | Interest Income | $8.10 million |
|
|
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 Crown Bank had $77.9 million in non-current loans and owned real-estate with $79.49 million in equity and loan loss allowances on hand to cover it. This gives Crown Bank a Texas Ratio of 97.99% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Crown Bank increased slightly from 63.51% as of March 31, 2011 to 97.99% as of March 31, 2012, resulting in a negative change of 54.28%. This indicates that the balance sheet and financial strength for Crown Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Crown Bank has increased its total deposits by $47.6 million, resulting in 10.99% 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 Crown 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. Crown Bank has $575.26 million in assets with $79.49 million in equity, resulting in a capitalization level of 13.82%, which is excellent. |
|
