Institution Statistics
| Kopernik Federal Bank | | OTS # | 04295 | | FDIC Certificate # | 29901 | | BankRate Report | View | | Year Established | 1924 | | Employees | 6 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $41.40 million | | Loans | $27.29 million | | Deposits | $36.98 million | | Equity Capital | $4.34 million | | Loan Loss Allowance | $134,000 | | Unbacked Noncurrent Loans | $555,000 | | Real Estate Owned | $267,000 |
Historic Data - March 2011 | | Assets | $38.73 million | | Equity Capital | $4.25 million | | Loan Loss Allowance | $45,000 | | Unbacked Noncurrent Loans | $382,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.55% | | Return on Assets | 0.33% | | Return on Equity | 3.15% | | Interest Income | $429,000 |
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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, 2012 Kopernik Federal Bank had $822,000 in non-current loans and owned real-estate with $4.47 million in equity and loan loss allowances on hand to cover it. This gives Kopernik Federal Bank a Texas Ratio of 18.39% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Kopernik Federal Bank increased slightly from 8.89% as of March 31, 2011 to 18.39% as of March 31, 2012, resulting in a negative change of 107.00%. This indicates that the balance sheet and financial strength for Kopernik Federal Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Kopernik Federal Bank has increased its total deposits by $2.6 million, resulting in 7.57% 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 Kopernik Federal 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. Kopernik Federal Bank has $41.4 million in assets with $4.47 million in equity, resulting in a capitalization level of 10.79%, which is above average. |
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