Institution Statistics
| The Village Bank | | FDIC Certificate # | 10439 | | BankRate Report | View | | Year Established | 1920 | | Employees | 19 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $77.95 million | | Loans | $43.64 million | | Deposits | $70.00 million | | Equity Capital | $7.13 million | | Loan Loss Allowance | $363,000 | | Unbacked Noncurrent Loans | $1.11 million | | Real Estate Owned | $943,000 |
Historic Data - March 2011 | | Assets | $75.80 million | | Equity Capital | $6.92 million | | Loan Loss Allowance | $355,000 | | Unbacked Noncurrent Loans | $112,000 | | Real Estate Owned | $1.18 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.06% | | Return on Assets | 0.45% | | Return on Equity | 4.91% | | Interest Income | $697,000 |
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Institution Health
Overall Score:
3 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 Village Bank had $2.05 million in non-current loans and owned real-estate with $7.49 million in equity and loan loss allowances on hand to cover it. This gives The Village Bank a Texas Ratio of 27.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for The Village Bank increased slightly from 17.74% as of March 31, 2011 to 27.37% as of March 31, 2012, resulting in a negative change of 54.34%. This indicates that the balance sheet and financial strength for The Village Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, The Village Bank has increased its total deposits by $1.89 million, resulting in 2.78% 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 Village 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 Village Bank has $77.95 million in assets with $7.49 million in equity, resulting in a capitalization level of 9.61%, which is average. |
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