Institution Statistics
| Mountain 1st Bank & Trust Company | | FDIC Certificate # | 57763 | | BankRate Report | View | | Year Established | 2004 | | Employees | 156 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $700.18 million | | Loans | $394.92 million | | Deposits | $677.13 million | | Equity Capital | $18.58 million | | Loan Loss Allowance | $10.41 million | | Unbacked Noncurrent Loans | $28.91 million | | Real Estate Owned | $18.85 million |
Historic Data - March 2011 | | Assets | $730.48 million | | Equity Capital | $37.56 million | | Loan Loss Allowance | $13.91 million | | Unbacked Noncurrent Loans | $44.37 million | | Real Estate Owned | $5.94 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.1% | | Return on Assets | 0.32% | | Return on Equity | 11.98% | | Interest Income | $6.54 million |
|
|
Institution Health
Overall Score:
1 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 Mountain 1st Bank & Trust Company had $47.77 million in non-current loans and owned real-estate with $28.99 million in equity and loan loss allowances on hand to cover it. This gives Mountain 1st Bank & Trust Company a Texas Ratio of 164.76% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Mountain 1st Bank & Trust Company increased slightly from 95.47% as of March 31, 2011 to 164.76% as of March 31, 2012, resulting in a negative change of 72.58%. This indicates that the balance sheet and financial strength for Mountain 1st Bank & Trust Company has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Mountain 1st Bank & Trust Company has increased its total deposits by $3.5 million, resulting in 0.52% 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 Mountain 1st Bank & Trust Company has shown is 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. Mountain 1st Bank & Trust Company has $700.18 million in assets with $28.99 million in equity, resulting in a capitalization level of 4.14%, which is poor. |
|
