Decatur State Bank

Decatur State Bank is headquartered in Decatur and is the 78^th largest bank in the state of Arkansas. It is also the 3,940^th largest bank in the nation. It was established in 1954 and as of March of 2012, it had grown to 55 employees at 3 locations. Decatur State Bank has a 1-star health rating.

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Data for Q1 2012

Institution Statistics Decatur State Bank FDIC Certificate # 17346 BankRate Report View Year Established 1954 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $146.43 million Loans $106.60 million Deposits $133.86 million Equity Capital $5.37 million Loan Loss Allowance $6.33 million Unbacked Noncurrent Loans $22.13 million Real Estate Owned $3.47 million Historic Data - March 2011 Assets $189.99 million Equity Capital $16.36 million Loan Loss Allowance $10.07 million Unbacked Noncurrent Loans $16.62 million Real Estate Owned $1.24 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets -2.61% Return on Equity -69.01% Interest Income $1.72 million

Institution Health Overall Score: 1 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 Decatur State Bank had $25.59 million in non-current loans and owned real-estate with $11.7 million in equity and loan loss allowances on hand to cover it. This gives Decatur State Bank a Texas Ratio of 218.84% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Decatur State Bank increased slightly from 67.60% as of March 31, 2011 to 218.84% as of March 31, 2012, resulting in a negative change of 223.72%. This indicates that the balance sheet and financial strength for Decatur State Bank has declined slightly in recent periods. Deposit Growth In the past year, Decatur State Bank has decreased its total deposits by -$32.38 million, resulting in -19.48% 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 Decatur State Bank has shown is poor. 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. Decatur State Bank has $146.43 million in assets with $11.7 million in equity, resulting in a capitalization level of 7.99%, which is below average.

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