Institution Statistics
| The Pataskala Banking Company | | FDIC Certificate # | 9440 | | BankRate Report | View | | Year Established | 1888 | | Employees | 17 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $32.50 million | | Loans | $17.52 million | | Deposits | $29.73 million | | Equity Capital | $2.73 million | | Loan Loss Allowance | $97,000 | | Unbacked Noncurrent Loans | $302,000 | | Real Estate Owned | $800,000 |
Historic Data - March 2011 | | Assets | $34.93 million | | Equity Capital | $2.63 million | | Loan Loss Allowance | $104,000 | | Unbacked Noncurrent Loans | $1.33 million | | Real Estate Owned | $82,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.88% | | Return on Assets | -0.16% | | Return on Equity | -1.9% | | Interest Income | $306,000 |
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Institution Health
Overall Score:
2 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 Pataskala Banking Company had $1.1 million in non-current loans and owned real-estate with $2.83 million in equity and loan loss allowances on hand to cover it. This gives The Pataskala Banking Company a Texas Ratio of 38.97% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for The Pataskala Banking Company decreased slightly from 51.48% as of March 31, 2011 to 38.97% as of March 31, 2012, resulting in a positive change of 24.31%.This indicates that the balance sheet and financial strength for The Pataskala Banking Company has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, The Pataskala Banking Company has decreased its total deposits by -$2.52 million, resulting in -7.82% 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 Pataskala Banking Company 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 Pataskala Banking Company has $32.5 million in assets with $2.83 million in equity, resulting in a capitalization level of 8.70%, which is average. |
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