Institution Statistics
| Battle Creek State Bank | | FDIC Certificate # | 16330 | | BankRate Report | View | | Year Established | 1943 | | Employees | 7 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $26.46 million | | Loans | $15.63 million | | Deposits | $22.36 million | | Equity Capital | $2.61 million | | Loan Loss Allowance | $782,000 |
Historic Data - December 2010 | | Assets | $25.29 million | | Equity Capital | $2.32 million | | Loan Loss Allowance | $823,000 | | Unbacked Noncurrent Loans | $306,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.97% | | Return on Assets | 1.02% | | Return on Equity | 10.65% | | Interest Income | $1.15 million |
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Institution Health
Overall Score:
5 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 Battle Creek State Bank had $0 in non-current loans and owned real-estate with $3.39 million in equity and loan loss allowances on hand to cover it. This gives Battle Creek State 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, Battle Creek State Bank has increased its total deposits by $1.55 million, resulting in 7.47% 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 Battle Creek State 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. Battle Creek State Bank has $26.46 million in assets with $3.39 million in equity, resulting in a capitalization level of 12.82%, which is excellent. |
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