Institution Statistics
| Western Bank of Clovis | | FDIC Certificate # | 22059 | | BankRate Report | View | | Year Established | 1975 | | Employees | 16 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $48.11 million | | Loans | $31.59 million | | Deposits | $36.38 million | | Equity Capital | $6.44 million | | Loan Loss Allowance | $581,000 |
Historic Data - March 2011 | | Assets | $52.77 million | | Equity Capital | $6.41 million | | Loan Loss Allowance | $579,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.46% | | Return on Assets | 1.1% | | Return on Equity | 8.67% | | Interest Income | $710,000 |
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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 Western Bank of Clovis had $0 in non-current loans and owned real-estate with $7.02 million in equity and loan loss allowances on hand to cover it. This gives Western Bank of Clovis 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, Western Bank of Clovis has decreased its total deposits by -$2.47 million, resulting in -6.37% 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 Western Bank of Clovis 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. Western Bank of Clovis has $48.11 million in assets with $7.02 million in equity, resulting in a capitalization level of 14.59%, which is excellent. |
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