Institution Statistics
| POINTWEST BANK | | FDIC Certificate # | 13600 | | BankRate Report | View | | Year Established | 1893 | | Employees | 30 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $80.39 million | | Loans | $26.16 million | | Deposits | $67.36 million | | Equity Capital | $7.59 million | | Loan Loss Allowance | $232,000 |
Historic Data - March 2011 | | Assets | $73.21 million | | Equity Capital | $6.61 million | | Loan Loss Allowance | $231,000 | | Real Estate Owned | $202,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.65% | | Return on Assets | 1.01% | | Return on Equity | 10.77% | | Interest Income | $743,000 |
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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 POINTWEST BANK had $0 in non-current loans and owned real-estate with $7.82 million in equity and loan loss allowances on hand to cover it. This gives POINTWEST 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, POINTWEST BANK has increased its total deposits by $4.49 million, resulting in 7.14% 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 POINTWEST 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. POINTWEST BANK has $80.39 million in assets with $7.82 million in equity, resulting in a capitalization level of 9.73%, which is average. |
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