Institution Statistics
| The Scottdale Bank & Trust Company | | FDIC Certificate # | 10688 | | BankRate Report | View | | Year Established | 1901 | | Employees | 48 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $245.05 million | | Loans | $63.08 million | | Deposits | $200.53 million | | Equity Capital | $42.93 million | | Loan Loss Allowance | $754,000 | | Unbacked Noncurrent Loans | $1.32 million | | Real Estate Owned | $2.26 million |
Historic Data - March 2011 | | Assets | $227.27 million | | Equity Capital | $40.27 million | | Loan Loss Allowance | $752,000 | | Unbacked Noncurrent Loans | $1.04 million | | Real Estate Owned | $2.17 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.04% | | Return on Assets | 1.08% | | Return on Equity | 6.07% | | Interest Income | $1.99 million |
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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 Scottdale Bank & Trust Company had $3.58 million in non-current loans and owned real-estate with $43.68 million in equity and loan loss allowances on hand to cover it. This gives The Scottdale Bank & Trust Company a Texas Ratio of 8.20% 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 Scottdale Bank & Trust Company held steady from 7.83% as of March 31, 2011 to 8.20% as of March 31, 2012, resulting in a negative change of 4.72%. This indicates that the balance sheet and financial strength for The Scottdale Bank & Trust Company has held steady in recent periods. | | Deposit Growth |  | | In the past year, The Scottdale Bank & Trust Company has increased its total deposits by $15.92 million, resulting in 8.62% 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 Scottdale Bank & Trust Company 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 Scottdale Bank & Trust Company has $245.05 million in assets with $43.68 million in equity, resulting in a capitalization level of 17.83%, which is excellent. |
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