Institution Statistics
| FDIC Certificate # | 58000 | | BankRate Report | View | | Year Established | 2005 | | Employees | 17 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $77.56 million | | Loans | $59.64 million | | Deposits | $60.55 million | | Equity Capital | $7.60 million | | Loan Loss Allowance | $746,000 | | Unbacked Noncurrent Loans | $1.27 million | | Real Estate Owned | $1.61 million |
Historic Data - March 2009 | | Assets | $68.57 million | | Equity Capital | $6.52 million | | Loan Loss Allowance | $746,000 | | Unbacked Noncurrent Loans | $2.01 million | | Real Estate Owned | $726,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.85% | | Return on Assets | 0.4% | | Return on Equity | 3.98% | | Interest Income | $968,000 |
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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, 2010 Vision Bank had $2.87 million in non-current loans and owned real-estate with $8.34 million in equity and loan loss allowances on hand to cover it. This gives Vision Bank a Texas Ratio of 34.44% 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 Vision Bank held steady from 37.67% as of March 31, 2009 to 34.44% as of March 31, 2010, resulting in a positive change of 8.56%.This indicates that the balance sheet and financial strength for Vision Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Vision Bank has increased it's total deposits by $12.9 million, resulting in 27.06% 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 Vision Bank 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. Vision Bank has $77.56 million in assets with $8.34 million in equity, resulting in a capitalization level of 10.76%, which is below average. |
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