Institution Statistics
| Sebree Deposit Bank | | FDIC Certificate # | 21342 | | BankRate Report | View | | Year Established | 1890 | | Employees | 9 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $22.85 million | | Loans | $10.39 million | | Deposits | $19.97 million | | Equity Capital | $2.54 million | | Loan Loss Allowance | $276,000 |
Historic Data - March 2011 | | Assets | $20.72 million | | Equity Capital | $2.58 million | | Loan Loss Allowance | $266,000 | | Unbacked Noncurrent Loans | $104,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.14% | | Return on Assets | -0.5% | | Return on Equity | -4.38% | | Interest Income | $194,000 |
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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 Sebree Deposit Bank had $0 in non-current loans and owned real-estate with $2.82 million in equity and loan loss allowances on hand to cover it. This gives Sebree Deposit 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, Sebree Deposit Bank has increased its total deposits by $2.22 million, resulting in 12.5% 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 Sebree Deposit 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. Sebree Deposit Bank has $22.85 million in assets with $2.82 million in equity, resulting in a capitalization level of 12.33%, which is excellent. |
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