Institution Statistics
| John O. Melby & Co. Bank | | FDIC Certificate # | 14945 | | BankRate Report | View | | Year Established | 1888 | | Employees | 12 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $41.93 million | | Loans | $25.99 million | | Deposits | $34.50 million | | Equity Capital | $7.39 million | | Loan Loss Allowance | $309,000 | | Unbacked Noncurrent Loans | $647,000 |
Historic Data - March 2011 | | Assets | $39.91 million | | Equity Capital | $7.24 million | | Loan Loss Allowance | $317,000 | | Unbacked Noncurrent Loans | $543,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.81% | | Return on Assets | 0.68% | | Return on Equity | 3.86% | | Interest Income | $397,000 |
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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 John O. Melby & Co. Bank had $647,000 in non-current loans and owned real-estate with $7.69 million in equity and loan loss allowances on hand to cover it. This gives John O. Melby & Co. Bank a Texas Ratio of 8.41% 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 John O. Melby & Co. Bank held steady from 7.19% as of March 31, 2011 to 8.41% as of March 31, 2012, resulting in a negative change of 17.03%. This indicates that the balance sheet and financial strength for John O. Melby & Co. Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, John O. Melby & Co. Bank has increased its total deposits by $1.89 million, resulting in 5.8% 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 John O. Melby & Co. 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. John O. Melby & Co. Bank has $41.93 million in assets with $7.69 million in equity, resulting in a capitalization level of 18.35%, which is excellent. |
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