Institution Statistics
| Landmands Bank | | FDIC Certificate # | 4471 | | BankRate Report | View | | Year Established | 1909 | | Employees | 13 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $61.86 million | | Loans | $44.35 million | | Deposits | $55.69 million | | Equity Capital | $5.72 million | | Loan Loss Allowance | $544,000 | | Unbacked Noncurrent Loans | $207,000 |
Historic Data - March 2011 | | Assets | $60.74 million | | Equity Capital | $5.64 million | | Loan Loss Allowance | $500,000 | | Unbacked Noncurrent Loans | $35,000 | | Real Estate Owned | $68,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.07% | | Return on Assets | 1.41% | | Return on Equity | 15.14% | | Interest Income | $628,000 |
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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 Landmands Bank had $207,000 in non-current loans and owned real-estate with $6.27 million in equity and loan loss allowances on hand to cover it. This gives Landmands Bank a Texas Ratio of 3.30% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Landmands Bank held steady from 1.68% as of March 31, 2011 to 3.30% as of March 31, 2012, resulting in a negative change of 96.99%. This indicates that the balance sheet and financial strength for Landmands Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Landmands Bank has increased its total deposits by $1.1 million, resulting in 2.02% 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 Landmands Bank has shown is above 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. Landmands Bank has $61.86 million in assets with $6.27 million in equity, resulting in a capitalization level of 10.13%, which is above average. |
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