Institution Statistics
| The Oakwood State Bank | | FDIC Certificate # | 10334 | | BankRate Report | View | | Year Established | 1900 | | Employees | 2 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $4.96 million | | Loans | $632,000 | | Deposits | $3.93 million | | Equity Capital | $978,000 | | Loan Loss Allowance | $13,000 | | Unbacked Noncurrent Loans | $4,000 |
Historic Data - March 2011 | | Assets | $3.60 million | | Equity Capital | $871,000 | | Loan Loss Allowance | $7,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.64% | | Return on Assets | 2.25% | | Return on Equity | 10.76% | | Interest Income | $27,000 |
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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 Oakwood State Bank had $4,000 in non-current loans and owned real-estate with $991,000 in equity and loan loss allowances on hand to cover it. This gives The Oakwood State Bank a Texas Ratio of 0.40% 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 Oakwood State Bank has increased its total deposits by $1.23 million, resulting in 45.66% 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 Oakwood State 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 Oakwood State Bank has $4.96 million in assets with $991,000 in equity, resulting in a capitalization level of 19.99%, which is excellent. |
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