Institution Statistics
| Coleman County State Bank | | FDIC Certificate # | 15480 | | BankRate Report | View | | Year Established | 1936 | | Employees | 29 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $79.17 million | | Loans | $59.91 million | | Deposits | $71.15 million | | Equity Capital | $7.90 million | | Loan Loss Allowance | $570,000 | | Unbacked Noncurrent Loans | $33,000 |
Historic Data - September 2010 | | Assets | $68.77 million | | Equity Capital | $6.01 million | | Loan Loss Allowance | $504,000 | | Real Estate Owned | $39,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.87% | | Return on Assets | 1.93% | | Return on Equity | 19.62% | | Interest Income | $2.90 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 September 30, 2011 Coleman County State Bank had $33,000 in non-current loans and owned real-estate with $8.47 million in equity and loan loss allowances on hand to cover it. This gives Coleman County State Bank a Texas Ratio of 0.39% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Coleman County State Bank decreased slightly from 0.60% as of September 30, 2010 to 0.39% as of September 30, 2011, resulting in a positive change of 34.95%.This indicates that the balance sheet and financial strength for Coleman County State Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Coleman County State Bank has increased its total deposits by $11.58 million, resulting in 19.44% 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 Coleman County 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. Coleman County State Bank has $79.17 million in assets with $8.47 million in equity, resulting in a capitalization level of 10.70%, which is above average. |
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