Institution Statistics
| Emerald Bank | | FDIC Certificate # | 14944 | | BankRate Report | View | | Year Established | 1884 | | Employees | 9 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $17.12 million | | Loans | $12.51 million | | Deposits | $15.63 million | | Equity Capital | $1.47 million | | Loan Loss Allowance | $238,000 | | Unbacked Noncurrent Loans | $34,000 | | Real Estate Owned | $137,000 |
Historic Data - March 2011 | | Assets | $17.46 million | | Equity Capital | $1.36 million | | Loan Loss Allowance | $256,000 | | Unbacked Noncurrent Loans | $239,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.11% | | Return on Assets | 1.37% | | Return on Equity | 16.14% | | Interest Income | $234,000 |
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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 March 31, 2012 Emerald Bank had $171,000 in non-current loans and owned real-estate with $1.7 million in equity and loan loss allowances on hand to cover it. This gives Emerald Bank a Texas Ratio of 10.04% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Emerald Bank decreased slightly from 14.84% as of March 31, 2011 to 10.04% as of March 31, 2012, resulting in a positive change of 32.36%.This indicates that the balance sheet and financial strength for Emerald Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Emerald Bank has decreased its total deposits by $-425,000, resulting in -2.65% 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 Emerald Bank has shown is below 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. Emerald Bank has $17.12 million in assets with $1.7 million in equity, resulting in a capitalization level of 9.95%, which is average. |
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