Institution Statistics
| Kress National Bank | | FDIC Certificate # | 18892 | | BankRate Report | View | | Year Established | 1963 | | Employees | 7 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $40.03 million | | Loans | $14.47 million | | Deposits | $35.88 million | | Equity Capital | $4.01 million | | Loan Loss Allowance | $306,000 | | Unbacked Noncurrent Loans | $186,000 |
Historic Data - March 2011 | | Assets | $36.76 million | | Equity Capital | $3.96 million | | Loan Loss Allowance | $258,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.09% | | Return on Assets | 0.7% | | Return on Equity | 6.97% | | Interest Income | $324,000 |
|
|
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 Kress National Bank had $186,000 in non-current loans and owned real-estate with $4.32 million in equity and loan loss allowances on hand to cover it. This gives Kress National Bank a Texas Ratio of 4.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Kress National Bank has increased its total deposits by $3.2 million, resulting in 9.79% 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 Kress National 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. Kress National Bank has $40.03 million in assets with $4.32 million in equity, resulting in a capitalization level of 10.79%, which is above average. |
|
