Institution Statistics
| The Monitor Bank | | FDIC Certificate # | 16921 | | BankRate Report | View | | Year Established | 1911 | | Employees | 10 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $38.46 million | | Loans | $20.70 million | | Deposits | $33.56 million | | Equity Capital | $4.89 million | | Loan Loss Allowance | $240,000 | | Unbacked Noncurrent Loans | $370,000 | | Real Estate Owned | $97,000 |
Historic Data - March 2011 | | Assets | $37.54 million | | Equity Capital | $4.82 million | | Loan Loss Allowance | $240,000 | | Unbacked Noncurrent Loans | $302,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.83% | | Return on Assets | 0.16% | | Return on Equity | 1.23% | | Interest Income | $312,000 |
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Institution Health
Overall Score:
4 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 Monitor Bank had $467,000 in non-current loans and owned real-estate with $5.13 million in equity and loan loss allowances on hand to cover it. This gives The Monitor Bank a Texas Ratio of 9.11% 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 Monitor Bank held steady from 6.33% as of March 31, 2011 to 9.11% as of March 31, 2012, resulting in a negative change of 44.03%. This indicates that the balance sheet and financial strength for The Monitor Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, The Monitor Bank has increased its total deposits by $852,000, resulting in 2.6% 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 Monitor 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 Monitor Bank has $38.46 million in assets with $5.13 million in equity, resulting in a capitalization level of 13.33%, which is excellent. |
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