Institution Statistics
| CoastalStates Bank | | FDIC Certificate # | 57756 | | BankRate Report | View | | Year Established | 2004 | | Employees | 143 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $397.19 million | | Loans | $270.53 million | | Deposits | $312.40 million | | Equity Capital | $30.19 million | | Loan Loss Allowance | $5.41 million | | Unbacked Noncurrent Loans | $14.51 million | | Real Estate Owned | $11.22 million |
Historic Data - March 2011 | | Assets | $395.16 million | | Equity Capital | $28.86 million | | Loan Loss Allowance | $4.92 million | | Unbacked Noncurrent Loans | $27.74 million | | Real Estate Owned | $4.53 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.15% | | Return on Assets | 0.2% | | Return on Equity | 2.62% | | Interest Income | $3.59 million |
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Institution Health
Overall Score:
3 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 CoastalStates Bank had $25.73 million in non-current loans and owned real-estate with $35.6 million in equity and loan loss allowances on hand to cover it. This gives CoastalStates Bank a Texas Ratio of 72.28% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for CoastalStates Bank decreased slightly from 95.54% as of March 31, 2011 to 72.28% as of March 31, 2012, resulting in a positive change of 24.35%.This indicates that the balance sheet and financial strength for CoastalStates Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, CoastalStates Bank has increased its total deposits by $626,000, resulting in 0.2% 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 CoastalStates 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. CoastalStates Bank has $397.19 million in assets with $35.6 million in equity, resulting in a capitalization level of 8.96%, which is average. |
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