Institution Statistics
| Mineola Community Bank, S.S.B. | | FDIC Certificate # | 28868 | | BankRate Report | View | | Year Established | 1934 | | Employees | 40 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $150.31 million | | Loans | $75.69 million | | Deposits | $111.37 million | | Equity Capital | $24.59 million | | Loan Loss Allowance | $511,000 | | Unbacked Noncurrent Loans | $227,000 | | Real Estate Owned | $47,000 |
Historic Data - March 2011 | | Assets | $150.93 million | | Equity Capital | $23.48 million | | Loan Loss Allowance | $444,000 | | Unbacked Noncurrent Loans | $19,000 | | Real Estate Owned | $33,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.81% | | Return on Assets | 0.86% | | Return on Equity | 5.22% | | Interest Income | $1.67 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 Mineola Community Bank, S.S.B. had $274,000 in non-current loans and owned real-estate with $25.1 million in equity and loan loss allowances on hand to cover it. This gives Mineola Community Bank, S.S.B. a Texas Ratio of 1.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Mineola Community Bank, S.S.B. held steady from 0.22% as of March 31, 2011 to 1.09% as of March 31, 2012, resulting in a negative change of 402.36%. This indicates that the balance sheet and financial strength for Mineola Community Bank, S.S.B. has held steady in recent periods. | | Deposit Growth | | | In the past year, Mineola Community Bank, S.S.B. has increased its total deposits by $6.59 million, resulting in 6.29% 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 Mineola Community Bank, S.S.B. 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. Mineola Community Bank, S.S.B. has $150.31 million in assets with $25.1 million in equity, resulting in a capitalization level of 16.70%, which is excellent. |
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