Institution Statistics
| Hibernia Bank | | FDIC Certificate # | 29831 | | BankRate Report | View | | Year Established | 1903 | | Employees | 21 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $92.18 million | | Loans | $78.27 million | | Deposits | $72.70 million | | Equity Capital | $19.25 million | | Loan Loss Allowance | $532,000 | | Unbacked Noncurrent Loans | $559,000 | | Real Estate Owned | $126,000 |
Historic Data - March 2011 | | Assets | $77.01 million | | Equity Capital | $19.08 million | | Loan Loss Allowance | $409,000 | | Unbacked Noncurrent Loans | $981,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.17% | | Return on Assets | 0.26% | | Return on Equity | 1.23% | | Interest Income | $1.04 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 Hibernia Homestead Bank had $685,000 in non-current loans and owned real-estate with $19.78 million in equity and loan loss allowances on hand to cover it. This gives Hibernia Homestead Bank a Texas Ratio of 3.46% 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 Hibernia Homestead Bank decreased slightly from 5.03% as of March 31, 2011 to 3.46% as of March 31, 2012, resulting in a positive change of 31.21%.This indicates that the balance sheet and financial strength for Hibernia Homestead Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Hibernia Homestead Bank has increased its total deposits by $14.94 million, resulting in 25.87% 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 Hibernia Homestead 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. Hibernia Homestead Bank has $92.18 million in assets with $19.78 million in equity, resulting in a capitalization level of 21.45%, which is excellent. |
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