Institution Statistics
| Franklin Grove Bank | | FDIC Certificate # | 9636 | | BankRate Report | View | | Year Established | 1880 | | Employees | 6 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $32.09 million | | Loans | $15.20 million | | Deposits | $26.83 million | | Equity Capital | $5.18 million | | Loan Loss Allowance | $111,000 |
Historic Data - March 2011 | | Assets | $30.79 million | | Equity Capital | $5.09 million | | Loan Loss Allowance | $148,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.04% | | Return on Assets | 0.86% | | Return on Equity | 5.23% | | Interest Income | $320,000 |
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Institution Health
Overall Score:
5 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 Franklin Grove Bank had $0 in non-current loans and owned real-estate with $5.29 million in equity and loan loss allowances on hand to cover it. This gives Franklin Grove Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Franklin Grove Bank has increased its total deposits by $1.23 million, resulting in 4.79% 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 Franklin Grove Bank has shown is above 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. Franklin Grove Bank has $32.09 million in assets with $5.29 million in equity, resulting in a capitalization level of 16.50%, which is excellent. |
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