Institution Statistics
| Surety Bank | | FDIC Certificate # | 33026 | | BankRate Report | View | | Year Established | 1926 | | Employees | 16 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $111.06 million | | Loans | $76.92 million | | Deposits | $98.58 million | | Equity Capital | $12.03 million | | Loan Loss Allowance | $2.94 million | | Unbacked Noncurrent Loans | $2.54 million | | Real Estate Owned | $2.99 million |
Historic Data - March 2011 | | Assets | $119.21 million | | Equity Capital | $11.03 million | | Loan Loss Allowance | $3.94 million | | Unbacked Noncurrent Loans | $5.51 million | | Real Estate Owned | $4.30 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.81% | | Return on Assets | 1.16% | | Return on Equity | 10.91% | | Interest Income | $1.52 million |
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Institution Health
Overall Score:
3 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 Surety Bank had $5.52 million in non-current loans and owned real-estate with $14.97 million in equity and loan loss allowances on hand to cover it. This gives Surety Bank a Texas Ratio of 36.90% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Surety Bank decreased significantly from 65.50% as of March 31, 2011 to 36.90% as of March 31, 2012, resulting in a positive change of 43.67%.This indicates that the balance sheet and financial strength for Surety Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Surety Bank has decreased its total deposits by -$8.72 million, resulting in -8.13% 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 Surety 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. Surety Bank has $111.06 million in assets with $14.97 million in equity, resulting in a capitalization level of 13.48%, which is excellent. |
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