Institution Statistics
| The Dickinson County Bank | | FDIC Certificate # | 12425 | | BankRate Report | View | | Year Established | 1894 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $8.33 million | | Loans | $5.06 million | | Deposits | $7.26 million | | Equity Capital | $1.05 million | | Loan Loss Allowance | $220,000 | | Unbacked Noncurrent Loans | $135,000 | | Real Estate Owned | $91,000 |
Historic Data - March 2011 | | Assets | $9.55 million | | Equity Capital | $1.03 million | | Loan Loss Allowance | $214,000 | | Unbacked Noncurrent Loans | $133,000 | | Real Estate Owned | $116,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.19% | | Return on Assets | -0.24% | | Return on Equity | -1.89% | | Interest Income | $106,000 |
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Institution Health
Overall Score:
3 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 Dickinson County Bank had $226,000 in non-current loans and owned real-estate with $1.27 million in equity and loan loss allowances on hand to cover it. This gives The Dickinson County Bank a Texas Ratio of 17.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for The Dickinson County Bank held steady from 20.10% as of March 31, 2011 to 17.80% as of March 31, 2012, resulting in a positive change of 11.45%.This indicates that the balance sheet and financial strength for The Dickinson County Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, The Dickinson County Bank has decreased its total deposits by -$1.26 million, resulting in -14.78% 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 Dickinson County Bank has shown is poor. | | 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 Dickinson County Bank has $8.33 million in assets with $1.27 million in equity, resulting in a capitalization level of 15.25%, which is excellent. |
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