Institution Statistics
| The First Bexley Bank | | FDIC Certificate # | 58022 | | BankRate Report | View | | Year Established | 2006 | | Employees | 39 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $195.43 million | | Loans | $168.15 million | | Deposits | $176.68 million | | Equity Capital | $17.78 million | | Loan Loss Allowance | $2.40 million | | Unbacked Noncurrent Loans | $2.46 million |
Historic Data - March 2011 | | Assets | $156.22 million | | Equity Capital | $13.19 million | | Loan Loss Allowance | $1.66 million | | Unbacked Noncurrent Loans | $2.17 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.19% | | Return on Assets | 1.3% | | Return on Equity | 14.21% | | Interest Income | $2.52 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 First Bexley Bank had $2.46 million in non-current loans and owned real-estate with $20.18 million in equity and loan loss allowances on hand to cover it. This gives The First Bexley Bank a Texas Ratio of 12.21% 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 First Bexley Bank decreased slightly from 14.58% as of March 31, 2011 to 12.21% as of March 31, 2012, resulting in a positive change of 16.26%.This indicates that the balance sheet and financial strength for The First Bexley Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, The First Bexley Bank has increased its total deposits by $34.64 million, resulting in 24.39% 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 First Bexley Bank 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 First Bexley Bank has $195.42 million in assets with $20.18 million in equity, resulting in a capitalization level of 10.32%, which is above average. |
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