Institution Statistics
| Columbus State Bank | | FDIC Certificate # | 12305 | | BankRate Report | View | | Year Established | 1919 | | Employees | 14 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $79.20 million | | Loans | $7.72 million | | Deposits | $67.32 million | | Equity Capital | $11.54 million | | Loan Loss Allowance | $250,000 |
Historic Data - March 2011 | | Assets | $81.11 million | | Equity Capital | $11.38 million | | Loan Loss Allowance | $250,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.69% | | Return on Assets | 0.78% | | Return on Equity | 5.4% | | Interest Income | $567,000 |
|
|
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 March 31, 2012 Columbus State Bank had $0 in non-current loans and owned real-estate with $11.79 million in equity and loan loss allowances on hand to cover it. This gives Columbus 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, Columbus State Bank has decreased its total deposits by -$2.03 million, resulting in -2.93% 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 Columbus State Bank has shown is below 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. Columbus State Bank has $79.2 million in assets with $11.79 million in equity, resulting in a capitalization level of 14.88%, which is excellent. |
|
