Institution Statistics
| West Carroll Community Bank | | FDIC Certificate # | 35019 | | BankRate Report | View | | Year Established | 1999 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $16.86 million | | Loans | $7.52 million | | Deposits | $14.42 million | | Equity Capital | $2.38 million | | Loan Loss Allowance | $143,000 |
Historic Data - March 2011 | | Assets | $17.63 million | | Equity Capital | $2.25 million | | Loan Loss Allowance | $134,000 | | Unbacked Noncurrent Loans | $1,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.08% | | Return on Assets | 0.45% | | Return on Equity | 3.37% | | Interest Income | $181,000 |
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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, 2012 West Carroll Community Bank had $0 in non-current loans and owned real-estate with $2.52 million in equity and loan loss allowances on hand to cover it. This gives West Carroll Community Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, West Carroll Community Bank has decreased its total deposits by $-939,000, resulting in -6.11% 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 West Carroll Community 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. West Carroll Community Bank has $16.86 million in assets with $2.52 million in equity, resulting in a capitalization level of 14.96%, which is excellent. |
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