Institution Statistics
| D. L. Evans Bank | | FDIC Certificate # | 11666 | | BankRate Report | View | | Year Established | 1904 | | Employees | 256 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $938.44 million | | Loans | $550.54 million | | Deposits | $765.63 million | | Equity Capital | $97.14 million | | Loan Loss Allowance | $14.26 million | | Unbacked Noncurrent Loans | $11.76 million | | Real Estate Owned | $16.71 million |
Historic Data - September 2010 | | Assets | $935.17 million | | Equity Capital | $82.55 million | | Loan Loss Allowance | $12.90 million | | Unbacked Noncurrent Loans | $16.63 million | | Real Estate Owned | $18.43 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.87% | | Return on Assets | 0.75% | | Return on Equity | 8.2% | | Interest Income | $32.81 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 D. L. Evans Bank had $28.47 million in non-current loans and owned real-estate with $111.4 million in equity and loan loss allowances on hand to cover it. This gives D. L. Evans Bank a Texas Ratio of 25.56% 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 D. L. Evans Bank decreased slightly from 38.55% as of September 30, 2010 to 25.56% as of September 30, 2011, resulting in a positive change of 33.71%.This indicates that the balance sheet and financial strength for D. L. Evans Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, D. L. Evans Bank has decreased its total deposits by -$1.89 million, resulting in -0.25% 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 D. L. Evans 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. D. L. Evans Bank has $938.44 million in assets with $111.4 million in equity, resulting in a capitalization level of 11.87%, which is above average. |
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