Institution Statistics
| The Marblehead Bank | | FDIC Certificate # | 9860 | | BankRate Report | View | | Year Established | 1907 | | Employees | 12 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $35.00 million | | Loans | $9.12 million | | Deposits | $29.78 million | | Equity Capital | $3.97 million | | Loan Loss Allowance | $148,000 |
Historic Data - March 2011 | | Assets | $34.79 million | | Equity Capital | $3.84 million | | Loan Loss Allowance | $132,000 | | Unbacked Noncurrent Loans | $281,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.21% | | Return on Assets | 0.78% | | Return on Equity | 6.96% | | Interest Income | $292,000 |
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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 Marblehead Bank had $0 in non-current loans and owned real-estate with $4.12 million in equity and loan loss allowances on hand to cover it. This gives The Marblehead Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, The Marblehead Bank has increased its total deposits by $995,000, resulting in 3.46% 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 Marblehead 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 Marblehead Bank has $35 million in assets with $4.12 million in equity, resulting in a capitalization level of 11.76%, which is above average. |
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