Institution Statistics
| Elkville State Bank | | FDIC Certificate # | 10810 | | BankRate Report | View | | Year Established | 1906 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $23.44 million | | Loans | $2.65 million | | Deposits | $19.33 million | | Equity Capital | $4.00 million | | Loan Loss Allowance | $65,000 |
Historic Data - March 2011 | | Assets | $23.21 million | | Equity Capital | $3.65 million | | Loan Loss Allowance | $64,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.08% | | Return on Assets | 0.79% | | Return on Equity | 4.7% | | Interest Income | $138,000 |
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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 Elkville State Bank had $0 in non-current loans and owned real-estate with $4.07 million in equity and loan loss allowances on hand to cover it. This gives Elkville 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, Elkville State Bank has decreased its total deposits by $-197,000, resulting in -1.01% 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 Elkville 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. Elkville State Bank has $23.44 million in assets with $4.07 million in equity, resulting in a capitalization level of 17.35%, which is excellent. |
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