Institution Statistics
| Marquis Bank | | FDIC Certificate # | 58345 | | BankRate Report | View | | Year Established | 2007 | | Employees | 20 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $183.87 million | | Loans | $91.96 million | | Deposits | $154.87 million | | Equity Capital | $23.70 million | | Loan Loss Allowance | $2.40 million | | Unbacked Noncurrent Loans | $1.97 million | | Real Estate Owned | $2.44 million |
Historic Data - March 2011 | | Assets | $101.10 million | | Equity Capital | $19.89 million | | Loan Loss Allowance | $2.03 million | | Unbacked Noncurrent Loans | $1.97 million | | Real Estate Owned | $2.62 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.61% | | Return on Assets | 0.2% | | Return on Equity | 1.54% | | Interest Income | $1.31 million |
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Institution Health
Overall Score:
4 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 Marquis Bank had $4.41 million in non-current loans and owned real-estate with $26.1 million in equity and loan loss allowances on hand to cover it. This gives Marquis Bank a Texas Ratio of 16.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Marquis Bank decreased slightly from 20.97% as of March 31, 2011 to 16.91% as of March 31, 2012, resulting in a positive change of 19.37%.This indicates that the balance sheet and financial strength for Marquis Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Marquis Bank has increased its total deposits by $80.46 million, resulting in 108.13% 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 Marquis 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. Marquis Bank has $183.87 million in assets with $26.1 million in equity, resulting in a capitalization level of 14.19%, which is excellent. |
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