Institution Statistics
| North Alabama Bank | | FDIC Certificate # | 27560 | | BankRate Report | View | | Year Established | 1989 | | Employees | 34 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $114.06 million | | Loans | $58.64 million | | Deposits | $103.79 million | | Equity Capital | $9.71 million | | Loan Loss Allowance | $1.54 million | | Unbacked Noncurrent Loans | $1.12 million | | Real Estate Owned | $14.67 million |
Historic Data - March 2011 | | Assets | $124.16 million | | Equity Capital | $12.07 million | | Loan Loss Allowance | $2.22 million | | Unbacked Noncurrent Loans | $3.51 million | | Real Estate Owned | $10.64 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.87% | | Return on Assets | 0.12% | | Return on Equity | 1.36% | | Interest Income | $1.30 million |
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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 North Alabama Bank had $15.78 million in non-current loans and owned real-estate with $11.25 million in equity and loan loss allowances on hand to cover it. This gives North Alabama Bank a Texas Ratio of 140.28% 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 North Alabama Bank increased slightly from 99.01% as of March 31, 2011 to 140.28% as of March 31, 2012, resulting in a negative change of 41.68%. This indicates that the balance sheet and financial strength for North Alabama Bank has declined slightly in recent periods. | | Deposit Growth | | | In the past year, North Alabama Bank has decreased its total deposits by -$7.5 million, resulting in -6.74% 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 North Alabama Bank has shown is poor. | | 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. North Alabama Bank has $114.06 million in assets with $11.25 million in equity, resulting in a capitalization level of 9.87%, which is average. |
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