Institution Statistics
| County Savings Bank | | OTS # | 03136 | | FDIC Certificate # | 29231 | | BankRate Report | View | | Year Established | 1920 | | Employees | 19 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $61.91 million | | Loans | $36.86 million | | Deposits | $56.95 million | | Equity Capital | $4.36 million | | Loan Loss Allowance | $447,000 | | Unbacked Noncurrent Loans | $409,000 |
Historic Data - March 2011 | | Assets | $60.40 million | | Equity Capital | $4.22 million | | Loan Loss Allowance | $434,000 | | Unbacked Noncurrent Loans | $554,000 | | Real Estate Owned | $148,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.44% | | Return on Assets | 0.2% | | Return on Equity | 2.85% | | Interest Income | $612,000 |
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Institution Health
Overall Score:
4 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 County Savings Bank had $409,000 in non-current loans and owned real-estate with $4.81 million in equity and loan loss allowances on hand to cover it. This gives County Savings Bank a Texas Ratio of 8.51% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for County Savings Bank decreased significantly from 15.10% as of March 31, 2011 to 8.51% as of March 31, 2012, resulting in a positive change of 43.65%.This indicates that the balance sheet and financial strength for County Savings Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, County Savings Bank has increased its total deposits by $1.31 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 County Savings Bank 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. County Savings Bank has $61.9 million in assets with $4.81 million in equity, resulting in a capitalization level of 7.77%, which is below average. |
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