Institution Statistics
| Live Oak Banking Company | | FDIC Certificate # | 58665 | | BankRate Report | View | | Year Established | 2008 | | Employees | 64 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $284.63 million | | Loans | $197.58 million | | Deposits | $248.96 million | | Equity Capital | $33.33 million | | Loan Loss Allowance | $5.27 million |
Historic Data - March 2011 | | Assets | $232.98 million | | Equity Capital | $23.63 million | | Loan Loss Allowance | $4.19 million | | Unbacked Noncurrent Loans | $778,000 | | Real Estate Owned | $133,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.1% | | Return on Assets | 4.72% | | Return on Equity | 39.17% | | Interest Income | $2.55 million |
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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 Live Oak Banking Company had $0 in non-current loans and owned real-estate with $38.6 million in equity and loan loss allowances on hand to cover it. This gives Live Oak Banking Company a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Live Oak Banking Company has increased its total deposits by $68.08 million, resulting in 37.64% 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 Live Oak Banking 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. Live Oak Banking Company has $284.63 million in assets with $38.6 million in equity, resulting in a capitalization level of 13.56%, which is excellent. |
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