Institution Statistics
| Olmsted National Bank | | FDIC Certificate # | 34171 | | BankRate Report | View | | Year Established | 1996 | | Employees | 14 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $51.58 million | | Loans | $35.08 million | | Deposits | $46.40 million | | Equity Capital | $5.01 million | | Loan Loss Allowance | $730,000 | | Unbacked Noncurrent Loans | $123,000 | | Real Estate Owned | $2.63 million |
Historic Data - March 2011 | | Assets | $54.69 million | | Equity Capital | $6.30 million | | Loan Loss Allowance | $774,000 | | Unbacked Noncurrent Loans | $245,000 | | Real Estate Owned | $2.72 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.55% | | Return on Assets | -0.71% | | Return on Equity | -7.29% | | Interest Income | $623,000 |
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Institution Health
Overall Score:
3 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 Olmsted National Bank had $2.76 million in non-current loans and owned real-estate with $5.74 million in equity and loan loss allowances on hand to cover it. This gives Olmsted National Bank a Texas Ratio of 48.07% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Olmsted National Bank held steady from 41.83% as of March 31, 2011 to 48.07% as of March 31, 2012, resulting in a negative change of 14.92%. This indicates that the balance sheet and financial strength for Olmsted National Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Olmsted National Bank has decreased its total deposits by $-285,000, resulting in -0.61% 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 Olmsted National Bank 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. Olmsted National Bank has $51.58 million in assets with $5.74 million in equity, resulting in a capitalization level of 11.12%, which is above average. |
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