Institution Statistics
| Tightwad Bank | | FDIC Certificate # | 17366 | | BankRate Report | View | | Year Established | 1900 | | Employees | 4 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $14.83 million | | Loans | $10.13 million | | Deposits | $13.36 million | | Equity Capital | $1.47 million | | Loan Loss Allowance | $463,000 | | Unbacked Noncurrent Loans | $252,000 | | Real Estate Owned | $557,000 |
Historic Data - March 2011 | | Assets | $19.60 million | | Equity Capital | $1.89 million | | Loan Loss Allowance | $353,000 | | Unbacked Noncurrent Loans | $365,000 | | Real Estate Owned | $793,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.68% | | Return on Assets | -8.68% | | Return on Equity | -80.25% | | Interest Income | $157,000 |
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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 Tightwad Bank had $809,000 in non-current loans and owned real-estate with $1.93 million in equity and loan loss allowances on hand to cover it. This gives Tightwad Bank a Texas Ratio of 41.94% 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 Tightwad Bank decreased slightly from 51.65% as of March 31, 2011 to 41.94% as of March 31, 2012, resulting in a positive change of 18.80%.This indicates that the balance sheet and financial strength for Tightwad Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Tightwad Bank has decreased its total deposits by -$4.34 million, resulting in -24.52% 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 Tightwad Bank 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. Tightwad Bank has $14.83 million in assets with $1.93 million in equity, resulting in a capitalization level of 13.00%, which is excellent. |
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