Institution Statistics
| THE BANK - Oldham County, Inc. | | FDIC Certificate # | 33829 | | BankRate Report | View | | Year Established | 1993 | | Employees | 42 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $140.16 million | | Loans | $48.97 million | | Deposits | $117.31 million | | Equity Capital | $16.72 million | | Loan Loss Allowance | $862,000 | | Unbacked Noncurrent Loans | $1.05 million | | Real Estate Owned | $789,000 |
Historic Data - September 2010 | | Assets | $136.59 million | | Equity Capital | $16.30 million | | Loan Loss Allowance | $1.36 million | | Unbacked Noncurrent Loans | $2.16 million | | Real Estate Owned | $159,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.2% | | Return on Assets | 0.37% | | Return on Equity | 3.32% | | Interest Income | $3.48 million |
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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 September 30, 2011 The Bank - Oldham County had $1.84 million in non-current loans and owned real-estate with $17.58 million in equity and loan loss allowances on hand to cover it. This gives The Bank - Oldham County a Texas Ratio of 10.44% 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 The Bank - Oldham County decreased slightly from 13.10% as of September 30, 2010 to 10.44% as of September 30, 2011, resulting in a positive change of 20.30%.This indicates that the balance sheet and financial strength for The Bank - Oldham County has improved slightly in recent periods. | | Deposit Growth | | | In the past year, The Bank - Oldham County has increased its total deposits by $1.77 million, resulting in 1.53% 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 - Oldham County 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. The Bank - Oldham County has $140.16 million in assets with $17.58 million in equity, resulting in a capitalization level of 12.54%, which is excellent. |
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