Institution Statistics
| Generations Bank | | FDIC Certificate # | 58842 | | BankRate Report | View | | Year Established | 2008 | | Employees | 20 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $64.29 million | | Loans | $46.91 million | | Deposits | $56.52 million | | Equity Capital | $7.61 million | | Loan Loss Allowance | $590,000 | | Unbacked Noncurrent Loans | $534,000 | | Real Estate Owned | $19,000 |
Historic Data - March 2011 | | Assets | $62.33 million | | Equity Capital | $7.03 million | | Loan Loss Allowance | $592,000 | | Unbacked Noncurrent Loans | $593,000 | | Real Estate Owned | $70,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.3% | | Return on Assets | 0.93% | | Return on Equity | 7.95% | | Interest Income | $748,000 |
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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 Generations Bank had $553,000 in non-current loans and owned real-estate with $8.2 million in equity and loan loss allowances on hand to cover it. This gives Generations Bank a Texas Ratio of 6.75% 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 Generations Bank decreased slightly from 8.70% as of March 31, 2011 to 6.75% as of March 31, 2012, resulting in a positive change of 22.42%.This indicates that the balance sheet and financial strength for Generations Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Generations Bank has increased its total deposits by $1.38 million, resulting in 2.51% 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 Generations 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. Generations Bank has $64.29 million in assets with $8.2 million in equity, resulting in a capitalization level of 12.75%, which is excellent. |
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