Institution Statistics
| Crow River State Bank | | FDIC Certificate # | 23986 | | BankRate Report | View | | Year Established | 1982 | | Employees | 34 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $79.12 million | | Loans | $27.14 million | | Deposits | $63.01 million | | Equity Capital | $8.66 million | | Loan Loss Allowance | $462,000 | | Unbacked Noncurrent Loans | $519,000 | | Real Estate Owned | $71,000 |
Historic Data - March 2011 | | Assets | $76.29 million | | Equity Capital | $6.71 million | | Loan Loss Allowance | $362,000 | | Unbacked Noncurrent Loans | $452,000 | | Real Estate Owned | $737,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.04% | | Return on Assets | 1.41% | | Return on Equity | 13.17% | | Interest Income | $896,000 |
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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 Crow River Bank had $590,000 in non-current loans and owned real-estate with $9.12 million in equity and loan loss allowances on hand to cover it. This gives Crow River Bank a Texas Ratio of 6.47% 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 Crow River Bank decreased significantly from 22.33% as of March 31, 2011 to 6.47% as of March 31, 2012, resulting in a positive change of 71.04%.This indicates that the balance sheet and financial strength for Crow River Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Crow River Bank has increased its total deposits by $4.2 million, resulting in 7.14% 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 Crow River 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. Crow River Bank has $79.12 million in assets with $9.12 million in equity, resulting in a capitalization level of 11.53%, which is above average. |
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