Institution Statistics
| Parkway Bank | | FDIC Certificate # | 20160 | | BankRate Report | View | | Year Established | 1900 | | Employees | 35 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $122.48 million | | Loans | $74.28 million | | Deposits | $95.93 million | | Equity Capital | $13.41 million | | Loan Loss Allowance | $1.74 million | | Unbacked Noncurrent Loans | $402,000 | | Real Estate Owned | $3.90 million |
Historic Data - March 2011 | | Assets | $113.91 million | | Equity Capital | $12.82 million | | Loan Loss Allowance | $2.09 million | | Unbacked Noncurrent Loans | $2.56 million | | Real Estate Owned | $7.86 million |
Profit Margin - Quarterly | | Net Interest Margin | 4% | | Return on Assets | 0.61% | | Return on Equity | 5.42% | | Interest Income | $1.29 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 Parkway Bank had $4.3 million in non-current loans and owned real-estate with $15.15 million in equity and loan loss allowances on hand to cover it. This gives Parkway Bank a Texas Ratio of 28.38% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Parkway Bank decreased significantly from 69.85% as of March 31, 2011 to 28.38% as of March 31, 2012, resulting in a positive change of 59.37%.This indicates that the balance sheet and financial strength for Parkway Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Parkway Bank has increased its total deposits by $7.74 million, resulting in 8.77% 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 Parkway 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. Parkway Bank has $122.48 million in assets with $15.15 million in equity, resulting in a capitalization level of 12.37%, which is excellent. |
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