Institution Statistics
| Riverland Bank | | FDIC Certificate # | 58106 | | BankRate Report | View | | Year Established | 2005 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $27.45 million | | Loans | $17.56 million | | Deposits | $25.40 million | | Equity Capital | $1.89 million | | Loan Loss Allowance | $811,000 | | Unbacked Noncurrent Loans | $690,000 | | Real Estate Owned | $2.54 million |
Historic Data - March 2011 | | Assets | $33.79 million | | Equity Capital | $1.24 million | | Loan Loss Allowance | $960,000 | | Unbacked Noncurrent Loans | $673,000 | | Real Estate Owned | $3.49 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.48% | | Return on Assets | -2.44% | | Return on Equity | -52.13% | | Interest Income | $263,000 |
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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 Riverland Bank had $3.23 million in non-current loans and owned real-estate with $2.7 million in equity and loan loss allowances on hand to cover it. This gives Riverland Bank a Texas Ratio of 119.84% 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 Riverland Bank decreased slightly from 188.16% as of March 31, 2011 to 119.84% as of March 31, 2012, resulting in a positive change of 36.31%.This indicates that the balance sheet and financial strength for Riverland Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Riverland Bank has decreased its total deposits by -$6.97 million, resulting in -21.53% 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 Riverland 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. Riverland Bank has $27.45 million in assets with $2.7 million in equity, resulting in a capitalization level of 9.82%, which is average. |
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