Institution Statistics
| Madison County Community Bank | | FDIC Certificate # | 35056 | | BankRate Report | View | | Year Established | 1999 | | Employees | 20 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $100.71 million | | Loans | $52.94 million | | Deposits | $91.42 million | | Equity Capital | $9.06 million | | Loan Loss Allowance | $1.15 million | | Unbacked Noncurrent Loans | $4.36 million | | Real Estate Owned | $2.34 million |
Historic Data - March 2011 | | Assets | $94.07 million | | Equity Capital | $8.37 million | | Loan Loss Allowance | $898,000 | | Unbacked Noncurrent Loans | $2.94 million | | Real Estate Owned | $2.34 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.1% | | Return on Assets | 0.4% | | Return on Equity | 4.27% | | Interest Income | $902,000 |
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Institution Health
Overall Score:
3 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 Madison County Community Bank had $6.7 million in non-current loans and owned real-estate with $10.21 million in equity and loan loss allowances on hand to cover it. This gives Madison County Community Bank a Texas Ratio of 65.57% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Madison County Community Bank increased slightly from 56.92% as of March 31, 2011 to 65.57% as of March 31, 2012, resulting in a negative change of 15.20%. This indicates that the balance sheet and financial strength for Madison County Community Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Madison County Community Bank has increased its total deposits by $5.84 million, resulting in 6.82% 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 Madison County Community 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. Madison County Community Bank has $100.71 million in assets with $10.21 million in equity, resulting in a capitalization level of 10.14%, which is above average. |
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