Institution Statistics
| Leitchfield Deposit Bank & Trust Company | | FDIC Certificate # | 13168 | | BankRate Report | View | | Year Established | 1897 | | Employees | 31 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $111.28 million | | Loans | $78.34 million | | Deposits | $85.69 million | | Equity Capital | $15.43 million | | Loan Loss Allowance | $795,000 | | Unbacked Noncurrent Loans | $389,000 | | Real Estate Owned | $1.17 million |
Historic Data - March 2011 | | Assets | $108.37 million | | Equity Capital | $17.20 million | | Loan Loss Allowance | $781,000 | | Unbacked Noncurrent Loans | $411,000 | | Real Estate Owned | $1.32 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.39% | | Return on Assets | 1.32% | | Return on Equity | 9.24% | | Interest Income | $1.32 million |
|
|
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 Leitchfield Deposit Bank & Trust Company had $1.56 million in non-current loans and owned real-estate with $16.22 million in equity and loan loss allowances on hand to cover it. This gives Leitchfield Deposit Bank & Trust Company a Texas Ratio of 9.63% 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 Leitchfield Deposit Bank & Trust Company held steady from 9.64% as of March 31, 2011 to 9.63% as of March 31, 2012, resulting in a positive change of 0.16%.This indicates that the balance sheet and financial strength for Leitchfield Deposit Bank & Trust Company has held steady in recent periods. | | Deposit Growth |  | | In the past year, Leitchfield Deposit Bank & Trust Company has increased its total deposits by $4.42 million, resulting in 5.44% 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 Leitchfield Deposit Bank & Trust Company 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. Leitchfield Deposit Bank & Trust Company has $111.28 million in assets with $16.22 million in equity, resulting in a capitalization level of 14.58%, which is excellent. |
|
