Institution Statistics
| The Bank of Protection | | FDIC Certificate # | 23099 | | BankRate Report | View | | Year Established | 1980 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $59.42 million | | Loans | $26.70 million | | Deposits | $51.21 million | | Equity Capital | $6.47 million | | Loan Loss Allowance | $303,000 | | Unbacked Noncurrent Loans | $75,000 |
Historic Data - March 2011 | | Assets | $54.42 million | | Equity Capital | $5.34 million | | Loan Loss Allowance | $314,000 | | Unbacked Noncurrent Loans | $43,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.71% | | Return on Assets | 1.97% | | Return on Equity | 18.6% | | Interest Income | $583,000 |
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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 The Bank of Protection had $75,000 in non-current loans and owned real-estate with $6.77 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Protection a Texas Ratio of 1.11% 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 The Bank of Protection held steady from 0.76% as of March 31, 2011 to 1.11% as of March 31, 2012, resulting in a negative change of 45.81%. This indicates that the balance sheet and financial strength for The Bank of Protection has held steady in recent periods. | | Deposit Growth | | | In the past year, The Bank of Protection has increased its total deposits by $4.61 million, resulting in 9.89% 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 The Bank of Protection 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. The Bank of Protection has $59.42 million in assets with $6.77 million in equity, resulting in a capitalization level of 11.39%, which is above average. |
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