Institution Statistics
| Marine Bank & Trust Company | | FDIC Certificate # | 34233 | | BankRate Report | View | | Year Established | 1997 | | Employees | 31 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $144.06 million | | Loans | $94.85 million | | Deposits | $132.43 million | | Equity Capital | $11.09 million | | Loan Loss Allowance | $3.44 million | | Unbacked Noncurrent Loans | $2.23 million | | Real Estate Owned | $3.40 million |
Historic Data - March 2011 | | Assets | $149.54 million | | Equity Capital | $11.55 million | | Loan Loss Allowance | $4.00 million | | Unbacked Noncurrent Loans | $6.00 million | | Real Estate Owned | $4.13 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.91% | | Return on Assets | -0.86% | | Return on Equity | -10.78% | | Interest Income | $1.43 million |
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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 Marine Bank & Trust Company had $5.63 million in non-current loans and owned real-estate with $14.52 million in equity and loan loss allowances on hand to cover it. This gives Marine Bank & Trust Company a Texas Ratio of 38.77% 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 Marine Bank & Trust Company decreased significantly from 65.15% as of March 31, 2011 to 38.77% as of March 31, 2012, resulting in a positive change of 40.49%.This indicates that the balance sheet and financial strength for Marine Bank & Trust Company has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Marine Bank & Trust Company has decreased its total deposits by -$3.28 million, resulting in -2.42% 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 Marine Bank & Trust Company has shown is below average. | | 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. Marine Bank & Trust Company has $144.06 million in assets with $14.52 million in equity, resulting in a capitalization level of 10.08%, which is above average. |
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