Institution Statistics
| FDIC Certificate # | 23032 | | BankRate Report | View | | Year Established | 1980 | | Employees | 110 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $424.97 million | | Loans | $262.83 million | | Deposits | $381.87 million | | Equity Capital | $36.58 million | | Loan Loss Allowance | $3.91 million | | Unbacked Noncurrent Loans | $1.50 million | | Real Estate Owned | $5.04 million |
Historic Data - March 2009 | | Assets | $409.50 million | | Equity Capital | $34.60 million | | Loan Loss Allowance | $3.91 million | | Unbacked Noncurrent Loans | $3.85 million | | Real Estate Owned | $14.63 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.87% | | Return on Assets | 0.55% | | Return on Equity | 6.4% | | Interest Income | $5.20 million |
|
|
Institution Health
Overall Score:
4 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, 2010 Tradition Bank had $6.54 million in non-current loans and owned real-estate with $40.49 million in equity and loan loss allowances on hand to cover it. This gives Tradition Bank a Texas Ratio of 16.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Tradition Bank decreased significantly from 48.00% as of March 31, 2009 to 16.14% as of March 31, 2010, resulting in a positive change of 66.37%.This indicates that the balance sheet and financial strength for Tradition Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Tradition Bank has increased it's total deposits by $12.68 million, resulting in 3.43% 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 Tradition Bank has shown is 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. Tradition Bank has $424.97 million in assets with $40.49 million in equity, resulting in a capitalization level of 9.53%, which is below average. |
|
