Institution Statistics
| Memorial City Bank | | FDIC Certificate # | 58679 | | BankRate Report | View | | Year Established | 2008 | | Employees | 32 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $206.01 million | | Loans | $143.61 million | | Deposits | $184.64 million | | Equity Capital | $21.05 million | | Loan Loss Allowance | $1.62 million |
Historic Data - March 2011 | | Assets | $170.50 million | | Equity Capital | $19.56 million | | Loan Loss Allowance | $1.27 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.18% | | Return on Assets | 0.51% | | Return on Equity | 4.88% | | Interest Income | $2.29 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 Memorial City Bank had $0 in non-current loans and owned real-estate with $22.67 million in equity and loan loss allowances on hand to cover it. This gives Memorial City 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, Memorial City Bank has increased its total deposits by $33.98 million, resulting in 22.56% 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 Memorial City 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. Memorial City Bank has $206.01 million in assets with $22.67 million in equity, resulting in a capitalization level of 11.00%, which is above average. |
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