Institution Statistics
| NOA Bank | | FDIC Certificate # | 58657 | | BankRate Report | View | | Year Established | 2008 | | Employees | 22 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $115.30 million | | Loans | $81.50 million | | Deposits | $98.33 million | | Equity Capital | $16.46 million | | Loan Loss Allowance | $1.06 million |
Historic Data - March 2011 | | Assets | $95.47 million | | Equity Capital | $14.43 million | | Loan Loss Allowance | $783,000 | | Unbacked Noncurrent Loans | $6,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.08% | | Return on Assets | 1.07% | | Return on Equity | 7.37% | | Interest Income | $1.43 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 NOA Bank had $0 in non-current loans and owned real-estate with $17.53 million in equity and loan loss allowances on hand to cover it. This gives NOA 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, NOA Bank has increased its total deposits by $17.72 million, resulting in 21.98% 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 NOA 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. NOA Bank has $115.3 million in assets with $17.53 million in equity, resulting in a capitalization level of 15.20%, which is excellent. |
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