Institution Statistics
| Grabill Bank | | FDIC Certificate # | 16400 | | BankRate Report | View | | Year Established | 1946 | | Employees | 94 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $621.01 million | | Loans | $399.99 million | | Deposits | $461.62 million | | Equity Capital | $63.15 million | | Loan Loss Allowance | $7.35 million | | Unbacked Noncurrent Loans | $8.86 million | | Real Estate Owned | $1.71 million |
Historic Data - September 2010 | | Assets | $594.90 million | | Equity Capital | $58.93 million | | Loan Loss Allowance | $6.91 million | | Unbacked Noncurrent Loans | $3.92 million | | Real Estate Owned | $1.19 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.06% | | Return on Assets | 0.89% | | Return on Equity | 8.94% | | Interest Income | $19.56 million |
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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 September 30, 2011 Grabill Bank had $10.57 million in non-current loans and owned real-estate with $70.5 million in equity and loan loss allowances on hand to cover it. This gives Grabill Bank a Texas Ratio of 14.99% 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 Grabill Bank increased slightly from 6.52% as of September 30, 2010 to 14.99% as of September 30, 2011, resulting in a negative change of 129.95%. This indicates that the balance sheet and financial strength for Grabill Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Grabill Bank has increased its total deposits by $38.56 million, resulting in 9.12% 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 Grabill Bank has shown is excellent. | | 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. Grabill Bank has $621.01 million in assets with $70.5 million in equity, resulting in a capitalization level of 11.35%, which is above average. |
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