Institution Statistics
| Plus International Bank | | FDIC Certificate # | 57083 | | BankRate Report | View | | Year Established | 2001 | | Employees | 17 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $80.05 million | | Loans | $47.32 million | | Deposits | $67.16 million | | Equity Capital | $12.78 million | | Loan Loss Allowance | $364,000 |
Historic Data - March 2011 | | Assets | $106.80 million | | Equity Capital | $11.57 million | | Loan Loss Allowance | $403,000 | | Unbacked Noncurrent Loans | $407,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.64% | | Return on Assets | 0.36% | | Return on Equity | 2.38% | | Interest Income | $885,000 |
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Institution Health
Overall Score:
4 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 Plus International Bank had $0 in non-current loans and owned real-estate with $13.14 million in equity and loan loss allowances on hand to cover it. This gives Plus International 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, Plus International Bank has decreased its total deposits by -$24.21 million, resulting in -26.5% 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 Plus International 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. Plus International Bank has $80.05 million in assets with $13.14 million in equity, resulting in a capitalization level of 16.41%, which is excellent. |
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