Institution Statistics
| Landmark Community Bank | | FDIC Certificate # | 57112 | | BankRate Report | View | | Year Established | 2001 | | Employees | 43 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $240.45 million | | Loans | $178.00 million | | Deposits | $196.26 million | | Equity Capital | $21.35 million | | Loan Loss Allowance | $2.17 million | | Unbacked Noncurrent Loans | $2.10 million | | Real Estate Owned | $270,000 |
Historic Data - March 2011 | | Assets | $206.06 million | | Equity Capital | $19.05 million | | Loan Loss Allowance | $1.72 million | | Unbacked Noncurrent Loans | $2.36 million | | Real Estate Owned | $66,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.07% | | Return on Assets | 0.94% | | Return on Equity | 10.62% | | Interest Income | $2.71 million |
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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 Landmark Community Bank (PA) had $2.37 million in non-current loans and owned real-estate with $23.52 million in equity and loan loss allowances on hand to cover it. This gives Landmark Community Bank (PA) a Texas Ratio of 10.09% 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 Landmark Community Bank (PA) held steady from 11.68% as of March 31, 2011 to 10.09% as of March 31, 2012, resulting in a positive change of 13.60%.This indicates that the balance sheet and financial strength for Landmark Community Bank (PA) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Landmark Community Bank (PA) has increased its total deposits by $34.35 million, resulting in 21.22% 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 Landmark Community Bank (PA) 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. Landmark Community Bank (PA) has $240.44 million in assets with $23.52 million in equity, resulting in a capitalization level of 9.78%, which is average. |
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