Institution Statistics
| Manor Bank | | FDIC Certificate # | 7907 | | BankRate Report | View | | Year Established | 1902 | | Employees | 9 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $24.16 million | | Loans | $10.41 million | | Deposits | $21.11 million | | Equity Capital | $2.44 million | | Loan Loss Allowance | $39,000 |
Historic Data - March 2011 | | Assets | $22.41 million | | Equity Capital | $2.23 million | | Loan Loss Allowance | $18,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.86% | | Return on Assets | 0.02% | | Return on Equity | 0.17% | | Interest Income | $214,000 |
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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 Manor Bank had $0 in non-current loans and owned real-estate with $2.48 million in equity and loan loss allowances on hand to cover it. This gives Manor Bank 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, Manor Bank has increased its total deposits by $2 million, resulting in 10.48% 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 Manor 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. Manor Bank has $24.16 million in assets with $2.48 million in equity, resulting in a capitalization level of 10.26%, which is above average. |
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