Institution Statistics
| The Campbell & Fetter Bank | | FDIC Certificate # | 16757 | | BankRate Report | View | | Year Established | 1863 | | Employees | 66 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $264.68 million | | Loans | $123.98 million | | Deposits | $186.87 million | | Equity Capital | $29.13 million | | Loan Loss Allowance | $1.56 million | | Unbacked Noncurrent Loans | $759,000 | | Real Estate Owned | $476,000 |
Historic Data - March 2011 | | Assets | $261.20 million | | Equity Capital | $27.53 million | | Loan Loss Allowance | $1.56 million | | Unbacked Noncurrent Loans | $1.35 million | | Real Estate Owned | $427,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.77% | | Return on Assets | 0.6% | | Return on Equity | 5.52% | | Interest Income | $2.30 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 March 31, 2012 The Campbell & Fetter Bank had $1.24 million in non-current loans and owned real-estate with $30.69 million in equity and loan loss allowances on hand to cover it. This gives The Campbell & Fetter Bank a Texas Ratio of 4.02% 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 Campbell & Fetter Bank decreased slightly from 6.12% as of March 31, 2011 to 4.02% as of March 31, 2012, resulting in a positive change of 34.25%.This indicates that the balance sheet and financial strength for The Campbell & Fetter Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, The Campbell & Fetter Bank has increased its total deposits by $8.63 million, resulting in 4.84% 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 Campbell & Fetter Bank 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 Campbell & Fetter Bank has $264.68 million in assets with $30.69 million in equity, resulting in a capitalization level of 11.59%, which is above average. |
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