Bank of Star City

Bank of Star City is headquartered in Star City and is the 92^nd largest bank in the state of Arkansas. It is also the 4,827^th largest bank in the nation. It was established in 1925 and as of December of 2011, it had grown to 30 employees at 5 locations. Bank of Star City has a 4-star health rating.

Data for Q4 2011

Institution Statistics Bank of Star City FDIC Certificate # 5634 BankRate Report View Year Established 1925 Employees 30 Primary Regulator FED Assets and Liabilities Assets $104.44 million Loans $61.89 million Deposits $83.48 million Equity Capital $12.25 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $1.68 million Real Estate Owned $773,000 Historic Data - December 2010 Assets $100.56 million Equity Capital $11.52 million Loan Loss Allowance $1.64 million Unbacked Noncurrent Loans $2.02 million Real Estate Owned $224,000 Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 0.96% Return on Equity 8.09% Interest Income $5.18 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 December 31, 2011 Bank of Star City had $2.46 million in non-current loans and owned real-estate with $14.01 million in equity and loan loss allowances on hand to cover it. This gives Bank of Star City a Texas Ratio of 17.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Star City held steady from 17.03% as of December 31, 2010 to 17.53% as of December 31, 2011, resulting in a negative change of 2.91%. This indicates that the balance sheet and financial strength for Bank of Star City has held steady in recent periods. Deposit Growth In the past year, Bank of Star City has increased its total deposits by $4.51 million, resulting in 5.71% 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 Bank of Star City 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. Bank of Star City has $104.44 million in assets with $14.01 million in equity, resulting in a capitalization level of 13.41%, which is excellent.

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