Institution Statistics
| FDIC Certificate # | 22244 | | BankRate Report | View | | Year Established | 1976 | | Employees | 40 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $130.64 million | | Loans | $69.08 million | | Deposits | $117.81 million | | Equity Capital | $11.96 million | | Loan Loss Allowance | $2.02 million | | Unbacked Noncurrent Loans | $724,000 | | Real Estate Owned | $392,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.92% | | Return on Assets | 1.42% | | Return on Equity | 16.33% | | Interest Income | $10.09 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 December 31, 1995 Suburban Bank and Trust had $1.12 million in non-current loans and owned real-estate with $13.98 million in equity and loan loss allowances on hand to cover it. This gives Suburban Bank and Trust a Texas Ratio of 7.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Suburban Bank and Trust held steady from 7.88% as of December 31, 1994 to 7.98% as of December 31, 1995, resulting in a negative change of 1.23%. This indicates that the balance sheet and financial strength for Suburban Bank and Trust has held steady in recent periods. | | Deposit Growth |  | | In the past year, Suburban Bank and Trust has increased it's total deposits by $10.43 million, resulting in 9.72% 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 Suburban Bank and Trust 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. Suburban Bank and Trust has $130.64 million in assets with $13.98 million in equity, resulting in a capitalization level of 10.70%, which is below average. |
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