Institution Statistics
| Buckley State Bank | | FDIC Certificate # | 12121 | | BankRate Report | View | | Year Established | 1920 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $42.12 million | | Loans | $22.02 million | | Deposits | $34.78 million | | Equity Capital | $4.87 million | | Loan Loss Allowance | $178,000 |
Historic Data - December 2010 | | Assets | $39.90 million | | Equity Capital | $4.77 million | | Loan Loss Allowance | $175,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.85% | | Return on Assets | 0.7% | | Return on Equity | 5.97% | | Interest Income | $1.36 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 Buckley State Bank had $0 in non-current loans and owned real-estate with $5.04 million in equity and loan loss allowances on hand to cover it. This gives Buckley 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, Buckley State Bank has decreased its total deposits by $-333,000, resulting in -0.95% 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 Buckley State Bank 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. Buckley State Bank has $42.12 million in assets with $5.04 million in equity, resulting in a capitalization level of 11.97%, which is above average. |
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