Institution Statistics
| Eagle Community Bank | | FDIC Certificate # | 57477 | | BankRate Report | View | | Year Established | 2002 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $20.92 million | | Loans | $12.83 million | | Deposits | $19.71 million | | Equity Capital | $1.02 million | | Loan Loss Allowance | $173,000 | | Unbacked Noncurrent Loans | $606,000 | | Real Estate Owned | $2.52 million |
Historic Data - March 2011 | | Assets | $25.57 million | | Equity Capital | $1.47 million | | Loan Loss Allowance | $470,000 | | Unbacked Noncurrent Loans | $3.19 million | | Real Estate Owned | $1.28 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.69% | | Return on Assets | -6.41% | | Return on Equity | -124.61% | | Interest Income | $220,000 |
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Institution Health
Overall Score:
1 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 Eagle Community Bank had $3.12 million in non-current loans and owned real-estate with $1.19 million in equity and loan loss allowances on hand to cover it. This gives Eagle Community Bank a Texas Ratio of 262.22% 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 Eagle Community Bank held steady from 230.09% as of March 31, 2011 to 262.22% as of March 31, 2012, resulting in a negative change of 13.96%. This indicates that the balance sheet and financial strength for Eagle Community Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Eagle Community Bank has decreased its total deposits by -$3.84 million, resulting in -16.29% 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 Eagle Community Bank has shown is poor. | | 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. Eagle Community Bank has $20.92 million in assets with $1.19 million in equity, resulting in a capitalization level of 5.69%, which is below average. |
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