Institution Statistics
| The Pleasant Hill Bank | | FDIC Certificate # | 13915 | | BankRate Report | View | | Year Established | 1934 | | Employees | 18 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $70.33 million | | Loans | $38.46 million | | Deposits | $62.09 million | | Equity Capital | $8.06 million | | Loan Loss Allowance | $374,000 | | Unbacked Noncurrent Loans | $997,000 | | Real Estate Owned | $142,000 |
Historic Data - March 2011 | | Assets | $67.55 million | | Equity Capital | $8.02 million | | Loan Loss Allowance | $482,000 | | Unbacked Noncurrent Loans | $1.43 million | | Real Estate Owned | $353,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.34% | | Return on Assets | 0.12% | | Return on Equity | 1.04% | | Interest Income | $623,000 |
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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 Pleasant Hill Bank had $1.14 million in non-current loans and owned real-estate with $8.44 million in equity and loan loss allowances on hand to cover it. This gives The Pleasant Hill Bank a Texas Ratio of 13.50% 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 Pleasant Hill Bank decreased slightly from 20.98% as of March 31, 2011 to 13.50% as of March 31, 2012, resulting in a positive change of 35.67%.This indicates that the balance sheet and financial strength for The Pleasant Hill Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, The Pleasant Hill Bank has increased its total deposits by $2.99 million, resulting in 5.06% 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 Pleasant Hill 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 Pleasant Hill Bank has $70.32 million in assets with $8.44 million in equity, resulting in a capitalization level of 12.00%, which is above average. |
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Average User Rating:
8 Year Old Closed Auto Loan
It has been nearly 8 years since i have done business with this bank about an auto loan i had when i was young that i surredered the car to the bank due to losing my job. They sold it at auction and never informed me that i had owed any remaining balance on the vehicle. Untill now i had my credit ran to get a house and they are just now trying to get money out of me after 8 years of not reporting anything on my credit or informing me or the co signer on the loan. The people in this bank are crooks dont trust them.