Institution Statistics
| InvestorsBank | | FDIC Certificate # | 34347 | | BankRate Report | View | | Year Established | 1997 | | Employees | 22 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $240.25 million | | Loans | $205.91 million | | Deposits | $192.43 million | | Equity Capital | $28.33 million | | Loan Loss Allowance | $5.68 million | | Unbacked Noncurrent Loans | $10.30 million | | Real Estate Owned | $4.06 million |
Historic Data - March 2011 | | Assets | $247.59 million | | Equity Capital | $28.95 million | | Loan Loss Allowance | $8.00 million | | Unbacked Noncurrent Loans | $18.78 million | | Real Estate Owned | $3.56 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.22% | | Return on Assets | 0.91% | | Return on Equity | 7.81% | | Interest Income | $2.60 million |
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Institution Health
Overall Score:
3 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 InvestorsBank had $14.36 million in non-current loans and owned real-estate with $34 million in equity and loan loss allowances on hand to cover it. This gives InvestorsBank a Texas Ratio of 42.23% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for InvestorsBank decreased slightly from 60.74% as of March 31, 2011 to 42.23% as of March 31, 2012, resulting in a positive change of 30.48%.This indicates that the balance sheet and financial strength for InvestorsBank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, InvestorsBank has decreased its total deposits by -$6.39 million, resulting in -3.21% 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 InvestorsBank has shown is below 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. InvestorsBank has $240.25 million in assets with $34 million in equity, resulting in a capitalization level of 14.15%, which is excellent. |
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