Institution Statistics
| FMB Bank | | FDIC Certificate # | 12225 | | BankRate Report | View | | Year Established | 1910 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $41.56 million | | Loans | $18.18 million | | Deposits | $37.95 million | | Equity Capital | $3.46 million | | Loan Loss Allowance | $379,000 | | Unbacked Noncurrent Loans | $433,000 | | Real Estate Owned | $562,000 |
Historic Data - March 2011 | | Assets | $41.62 million | | Equity Capital | $3.28 million | | Loan Loss Allowance | $324,000 | | Unbacked Noncurrent Loans | $575,000 | | Real Estate Owned | $539,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.95% | | Return on Assets | 0.07% | | Return on Equity | 0.81% | | Interest Income | $369,000 |
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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 FMB Bank had $995,000 in non-current loans and owned real-estate with $3.84 million in equity and loan loss allowances on hand to cover it. This gives FMB Bank a Texas Ratio of 25.93% 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 FMB Bank decreased slightly from 30.88% as of March 31, 2011 to 25.93% as of March 31, 2012, resulting in a positive change of 16.04%.This indicates that the balance sheet and financial strength for FMB Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, FMB Bank has decreased its total deposits by $-259,000, resulting in -0.68% 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 FMB 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. FMB Bank has $41.56 million in assets with $3.84 million in equity, resulting in a capitalization level of 9.23%, which is average. |
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