Institution Statistics
| Citizens State Bank of Luling | | FDIC Certificate # | 10327 | | BankRate Report | View | | Year Established | 1914 | | Employees | 20 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $58.07 million | | Loans | $40.07 million | | Deposits | $51.25 million | | Equity Capital | $6.71 million | | Loan Loss Allowance | $497,000 | | Unbacked Noncurrent Loans | $249,000 | | Real Estate Owned | $122,000 |
Historic Data - March 2011 | | Assets | $56.73 million | | Equity Capital | $6.55 million | | Loan Loss Allowance | $555,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.51% | | Return on Assets | 0.61% | | Return on Equity | 5.2% | | Interest Income | $665,000 |
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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 March 31, 2012 Citizens State Bank of Luling had $371,000 in non-current loans and owned real-estate with $7.21 million in equity and loan loss allowances on hand to cover it. This gives Citizens State Bank of Luling a Texas Ratio of 5.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Citizens State Bank of Luling has increased its total deposits by $1.18 million, resulting in 2.35% 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 Citizens State Bank of Luling has shown is above 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. Citizens State Bank of Luling has $58.07 million in assets with $7.21 million in equity, resulting in a capitalization level of 12.41%, which is excellent. |
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