Institution Statistics
| FDIC Certificate # | 27015 | | OTS # | 13964 | | BankRate Report | View | | Year Established | 1967 | | Employees | 142 | | Primary Regulator | OTS |
Assets and Liabilities | | Assets | $234.06 million | | Loans | $177.18 million | | Deposits | $199.85 million | | Equity Capital | $21.66 million | | Loan Loss Allowance | $2.79 million | | Unbacked Noncurrent Loans | $2.82 million | | Real Estate Owned | $1.08 million |
Historic Data - March 2009 | | Assets | $249.61 million | | Equity Capital | $25.03 million | | Loan Loss Allowance | $2.79 million | | Unbacked Noncurrent Loans | $3.85 million | | Real Estate Owned | $698,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.8% | | Return on Assets | -0.22% | | Return on Equity | -2.37% | | Interest Income | $3.64 million |
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Public Enforcements
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, 2010 Domestic Bank had $3.9 million in non-current loans and owned real-estate with $24.46 million in equity and loan loss allowances on hand to cover it. This gives Domestic Bank a Texas Ratio of 15.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Domestic Bank held steady from 16.35% as of March 31, 2009 to 15.96% as of March 31, 2010, resulting in a positive change of 2.39%.This indicates that the balance sheet and financial strength for Domestic Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Domestic Bank has decreased it's total deposits by -$3.04 million, resulting in -1.5% 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 Domestic 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. Domestic Bank has $234.06 million in assets with $24.46 million in equity, resulting in a capitalization level of 10.45%, which is below average. |
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