Institution Statistics
| VINTAGE BANK | | FDIC Certificate # | 3089 | | BankRate Report | View | | Year Established | 1900 | | Employees | 33 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $146.62 million | | Loans | $100.30 million | | Deposits | $132.40 million | | Equity Capital | $13.90 million | | Loan Loss Allowance | $2.19 million | | Unbacked Noncurrent Loans | $1.23 million | | Real Estate Owned | $735,000 |
Historic Data - March 2011 | | Assets | $144.59 million | | Equity Capital | $12.61 million | | Loan Loss Allowance | $1.82 million | | Unbacked Noncurrent Loans | $2.64 million | | Real Estate Owned | $518,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.1% | | Return on Assets | 2.04% | | Return on Equity | 22.03% | | Interest Income | $1.94 million |
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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, 2012 Vintage Bank had $1.97 million in non-current loans and owned real-estate with $16.09 million in equity and loan loss allowances on hand to cover it. This gives Vintage Bank a Texas Ratio of 12.22% 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 Vintage Bank decreased significantly from 21.90% as of March 31, 2011 to 12.22% as of March 31, 2012, resulting in a positive change of 44.20%.This indicates that the balance sheet and financial strength for Vintage Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Vintage Bank has increased its total deposits by $687,000, resulting in 0.52% 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 Vintage 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. Vintage Bank has $146.62 million in assets with $16.09 million in equity, resulting in a capitalization level of 10.98%, which is above average. |
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