Institution Statistics
| NEW CUMBERLAND | | NCUA # | 8110 | | BankRate Report | View | | Year Chartered | 1952 | | Employees | 35 | | Primary Regulator | |
Assets and Liabilities | | Assets | $126.81 million | | Loans | $84.36 million | | Deposits | $117.06 million | | Equity Capital | $9.43 million | | Loan Loss Allowance | $494,000 | | Unbacked Noncurrent Loans | $376,000 |
Historic Data - December 2010 | | Assets | $119.31 million | | Equity Capital | $8.88 million | | Loan Loss Allowance | $511,000 | | Unbacked Noncurrent Loans | $169,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.1% | | Return on Assets | 0.43% | | Return on Equity | 5.78% | | Interest Income | $5.45 million | | Non-Interest Income | $1.40 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 December 31, 2011 New Cumberland had $376,000 in non-current loans and owned real-estate with $9.92 million in equity and loan loss allowances on hand to cover it. This gives New Cumberland a Texas Ratio of 3.79% 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 New Cumberland held steady from 1.80% as of December 31, 2010 to 3.79% as of December 31, 2011, resulting in a negative change of 110.64%. This indicates that the balance sheet and financial strength for New Cumberland has held steady in recent periods. | | Deposit Growth | | | In the past year, New Cumberland has increased its total deposits by $6.94 million, resulting in 6.3% 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 New Cumberland 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. New Cumberland has $126.81 million in assets with $9.92 million in equity, resulting in a capitalization level of 7.82%, which is below average. |
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