Institution Statistics
| Global Bank | | FDIC Certificate # | 58263 | | BankRate Report | View | | Year Established | 2007 | | Employees | 25 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $123.46 million | | Loans | $73.61 million | | Deposits | $106.67 million | | Equity Capital | $13.86 million | | Loan Loss Allowance | $1.07 million | | Unbacked Noncurrent Loans | $793,000 |
Historic Data - March 2011 | | Assets | $118.48 million | | Equity Capital | $11.85 million | | Loan Loss Allowance | $1.07 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.6% | | Return on Assets | 0.53% | | Return on Equity | 4.64% | | Interest Income | $1.44 million |
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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 Global Bank had $793,000 in non-current loans and owned real-estate with $14.93 million in equity and loan loss allowances on hand to cover it. This gives Global Bank a Texas Ratio of 5.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Global Bank has increased its total deposits by $236,000, resulting in 0.22% 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 Global 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. Global Bank has $123.46 million in assets with $14.93 million in equity, resulting in a capitalization level of 12.09%, which is excellent. |
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