Institution Statistics
| Putnam County Bank | | FDIC Certificate # | 15243 | | BankRate Report | View | | Year Established | 1901 | | Employees | 75 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $597.76 million | | Loans | $315.68 million | | Deposits | $520.88 million | | Equity Capital | $75.41 million | | Loan Loss Allowance | $4.00 million | | Unbacked Noncurrent Loans | $7.27 million | | Real Estate Owned | $2.19 million |
Historic Data - March 2011 | | Assets | $574.38 million | | Equity Capital | $72.67 million | | Loan Loss Allowance | $5.16 million | | Unbacked Noncurrent Loans | $3.12 million | | Real Estate Owned | $1.45 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.52% | | Return on Assets | 0.18% | | Return on Equity | 1.39% | | Interest Income | $5.30 million |
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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 Putnam County Bank had $9.46 million in non-current loans and owned real-estate with $79.41 million in equity and loan loss allowances on hand to cover it. This gives Putnam County Bank a Texas Ratio of 11.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Putnam County Bank increased slightly from 5.87% as of March 31, 2011 to 11.91% as of March 31, 2012, resulting in a negative change of 102.95%. This indicates that the balance sheet and financial strength for Putnam County Bank has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Putnam County Bank has increased its total deposits by $21.09 million, resulting in 4.22% 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 Putnam County Bank has shown is above 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. Putnam County Bank has $597.76 million in assets with $79.41 million in equity, resulting in a capitalization level of 13.28%, which is excellent. |
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