Institution Statistics
| The Citizens-Farmers Bank of Cole Camp | | FDIC Certificate # | 11463 | | BankRate Report | View | | Year Established | 1929 | | Employees | 24 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $97.54 million | | Loans | $65.68 million | | Deposits | $80.94 million | | Equity Capital | $16.40 million | | Loan Loss Allowance | $998,000 | | Unbacked Noncurrent Loans | $1.10 million | | Real Estate Owned | $525,000 |
Historic Data - March 2011 | | Assets | $94.91 million | | Equity Capital | $15.63 million | | Loan Loss Allowance | $1.08 million | | Unbacked Noncurrent Loans | $1.88 million | | Real Estate Owned | $400,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.02% | | Return on Assets | 1.29% | | Return on Equity | 7.54% | | Interest Income | $1.07 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 Citizens-Farmers Bank of Cole Camp had $1.63 million in non-current loans and owned real-estate with $17.4 million in equity and loan loss allowances on hand to cover it. This gives The Citizens-Farmers Bank of Cole Camp a Texas Ratio of 9.35% 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 Citizens-Farmers Bank of Cole Camp decreased slightly from 13.67% as of March 31, 2011 to 9.35% as of March 31, 2012, resulting in a positive change of 31.61%.This indicates that the balance sheet and financial strength for The Citizens-Farmers Bank of Cole Camp has improved slightly in recent periods. | | Deposit Growth | | | In the past year, The Citizens-Farmers Bank of Cole Camp has increased its total deposits by $1.97 million, resulting in 2.5% 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 Citizens-Farmers Bank of Cole Camp 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 Citizens-Farmers Bank of Cole Camp has $97.54 million in assets with $17.4 million in equity, resulting in a capitalization level of 17.83%, which is excellent. |
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