Institution Statistics
| Pilot Bank | | FDIC Certificate # | 27045 | | BankRate Report | View | | Year Established | 1987 | | Employees | 44 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $220.81 million | | Loans | $146.58 million | | Deposits | $190.48 million | | Equity Capital | $19.67 million | | Loan Loss Allowance | $3.69 million | | Unbacked Noncurrent Loans | $11.59 million | | Real Estate Owned | $7.50 million |
Historic Data - March 2011 | | Assets | $223.14 million | | Equity Capital | $20.88 million | | Loan Loss Allowance | $4.76 million | | Unbacked Noncurrent Loans | $11.02 million | | Real Estate Owned | $4.46 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.67% | | Return on Assets | 1.54% | | Return on Equity | 17.54% | | Interest Income | $2.19 million |
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Institution Health
Overall Score:
2 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 Pilot Bank had $19.09 million in non-current loans and owned real-estate with $23.35 million in equity and loan loss allowances on hand to cover it. This gives Pilot Bank a Texas Ratio of 81.75% 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 Pilot Bank increased slightly from 60.35% as of March 31, 2011 to 81.75% as of March 31, 2012, resulting in a negative change of 35.44%. This indicates that the balance sheet and financial strength for Pilot Bank has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Pilot Bank has decreased its total deposits by -$6.4 million, resulting in -3.25% 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 Pilot Bank has shown is below 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. Pilot Bank has $220.8 million in assets with $23.35 million in equity, resulting in a capitalization level of 10.58%, which is above average. |
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