Institution Statistics
| FDIC Certificate # | 27601 | | BankRate Report | View | | Year Established | 1989 | | Employees | 106 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $397.36 million | | Loans | $309.07 million | | Deposits | $343.81 million | | Equity Capital | $38.41 million | | Loan Loss Allowance | $7.18 million | | Unbacked Noncurrent Loans | $8.86 million | | Real Estate Owned | $3.36 million |
Historic Data - March 2009 | | Assets | $398.09 million | | Equity Capital | $40.31 million | | Loan Loss Allowance | $7.18 million | | Unbacked Noncurrent Loans | $13.87 million | | Real Estate Owned | $2.64 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.32% | | Return on Assets | 0.71% | | Return on Equity | 7.38% | | Interest Income | $5.52 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 March 31, 2010 Inland Northwest Bank had $12.22 million in non-current loans and owned real-estate with $45.59 million in equity and loan loss allowances on hand to cover it. This gives Inland Northwest Bank a Texas Ratio of 26.80% 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 Inland Northwest Bank decreased slightly from 34.77% as of March 31, 2009 to 26.80% as of March 31, 2010, resulting in a positive change of 22.90%.This indicates that the balance sheet and financial strength for Inland Northwest Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Inland Northwest Bank has increased it's total deposits by $11.19 million, resulting in 3.37% 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 Inland Northwest 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. Inland Northwest Bank has $397.36 million in assets with $45.59 million in equity, resulting in a capitalization level of 11.47%, which is average. |
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