Institution Statistics
| Boelus State Bank | | FDIC Certificate # | 17825 | | BankRate Report | View | | Year Established | 1900 | | Employees | 4 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $15.98 million | | Loans | $6.35 million | | Deposits | $14.02 million | | Equity Capital | $1.94 million | | Loan Loss Allowance | $207,000 |
Historic Data - December 2010 | | Assets | $14.33 million | | Equity Capital | $1.89 million | | Loan Loss Allowance | $211,000 | | Unbacked Noncurrent Loans | $8,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.64% | | Return on Assets | 0.5% | | Return on Equity | 3.96% | | Interest Income | $501,000 |
|
|
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 Boelus State Bank had $0 in non-current loans and owned real-estate with $2.15 million in equity and loan loss allowances on hand to cover it. This gives Boelus 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, Boelus State Bank has increased its total deposits by $1.6 million, resulting in 12.9% 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 Boelus 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. Boelus State Bank has $15.98 million in assets with $2.15 million in equity, resulting in a capitalization level of 13.45%, which is excellent. |
|
