Institution Statistics
| Bloomburg State Bank | | FDIC Certificate # | 13563 | | BankRate Report | View | | Year Established | 1916 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $14.32 million | | Loans | $8.97 million | | Deposits | $12.91 million | | Equity Capital | $1.35 million | | Loan Loss Allowance | $87,000 |
Historic Data - December 2010 | | Assets | $15.10 million | | Equity Capital | $1.28 million | | Loan Loss Allowance | $87,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.76% | | Return on Assets | 0.57% | | Return on Equity | 6.51% | | Interest Income | $620,000 |
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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 December 31, 2011 Bloomburg State Bank had $0 in non-current loans and owned real-estate with $1.44 million in equity and loan loss allowances on hand to cover it. This gives Bloomburg 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, Bloomburg State Bank has decreased its total deposits by $-823,000, resulting in -5.99% 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 Bloomburg State 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. Bloomburg State Bank has $14.32 million in assets with $1.44 million in equity, resulting in a capitalization level of 10.04%, which is above average. |
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