Institution Statistics
| Texas Advantage Community Bank, National Association | | FDIC Certificate # | 58450 | | BankRate Report | View | | Year Established | 2006 | | Employees | 20 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $80.94 million | | Loans | $65.07 million | | Deposits | $74.53 million | | Equity Capital | $6.32 million | | Loan Loss Allowance | $563,000 | | Unbacked Noncurrent Loans | $393,000 | | Real Estate Owned | $524,000 |
Historic Data - September 2010 | | Assets | $78.56 million | | Equity Capital | $6.09 million | | Loan Loss Allowance | $498,000 | | Unbacked Noncurrent Loans | $415,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.69% | | Return on Assets | 0.17% | | Return on Equity | 2.25% | | Interest Income | $2.75 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 September 30, 2011 Texas Advantage Community Bank, National Association had $917,000 in non-current loans and owned real-estate with $6.88 million in equity and loan loss allowances on hand to cover it. This gives Texas Advantage Community Bank, National Association a Texas Ratio of 13.32% 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 Texas Advantage Community Bank, National Association increased slightly from 7.04% as of September 30, 2010 to 13.32% as of September 30, 2011, resulting in a negative change of 89.10%. This indicates that the balance sheet and financial strength for Texas Advantage Community Bank, National Association has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Texas Advantage Community Bank, National Association has increased its total deposits by $2.14 million, resulting in 2.95% 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 Texas Advantage Community Bank, National Association 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. Texas Advantage Community Bank, National Association has $80.94 million in assets with $6.88 million in equity, resulting in a capitalization level of 8.51%, which is average. |
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