Institution Statistics
| Bank Star of the LeadBelt | | FDIC Certificate # | 16107 | | BankRate Report | View | | Year Established | 1905 | | Employees | 45 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $112.43 million | | Loans | $82.93 million | | Deposits | $98.71 million | | Equity Capital | $9.47 million | | Loan Loss Allowance | $1.52 million | | Unbacked Noncurrent Loans | $1.03 million | | Real Estate Owned | $1.29 million |
Historic Data - December 2010 | | Assets | $112.54 million | | Equity Capital | $9.85 million | | Loan Loss Allowance | $1.19 million | | Unbacked Noncurrent Loans | $197,000 | | Real Estate Owned | $615,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.54% | | Return on Assets | 0.01% | | Return on Equity | 0.12% | | Interest Income | $5.52 million |
|
|
Institution Health
Overall Score:
3 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 Star had $2.32 million in non-current loans and owned real-estate with $10.99 million in equity and loan loss allowances on hand to cover it. This gives Bank Star a Texas Ratio of 21.09% 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 Star increased slightly from 7.36% as of December 31, 2010 to 21.09% as of December 31, 2011, resulting in a negative change of 186.71%. This indicates that the balance sheet and financial strength for Bank Star has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Bank Star has increased its total deposits by $691,000, resulting in 0.7% 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 Star 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. Bank Star has $112.43 million in assets with $10.99 million in equity, resulting in a capitalization level of 9.78%, which is average. |
|
