Elsa State Bank and Trust Company

Elsa State Bank and Trust Company is headquartered in Elsa and is the 281^st largest bank in the state of Texas. It is also the 3,535^th largest bank in the nation. It was established in 1945 and as of March of 2012, it had grown to 79 employees at 6 locations. Elsa State Bank and Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics Elsa State Bank and Trust Company FDIC Certificate # 16239 BankRate Report View Year Established 1945 Employees 79 Primary Regulator FDIC Assets and Liabilities Assets $169.67 million Loans $81.64 million Deposits $154.49 million Equity Capital $14.60 million Loan Loss Allowance $802,000 Unbacked Noncurrent Loans $670,000 Real Estate Owned $556,000 Historic Data - March 2011 Assets $162.14 million Equity Capital $13.69 million Loan Loss Allowance $913,000 Unbacked Noncurrent Loans $708,000 Real Estate Owned $320,000 Profit Margin - Quarterly Net Interest Margin 4.76% Return on Assets 1.03% Return on Equity 12.08% Interest Income $2.03 million

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 Elsa State Bank and Trust Company had $1.23 million in non-current loans and owned real-estate with $15.4 million in equity and loan loss allowances on hand to cover it. This gives Elsa State Bank and Trust Company a Texas Ratio of 7.96% 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 Elsa State Bank and Trust Company held steady from 7.04% as of March 31, 2011 to 7.96% as of March 31, 2012, resulting in a negative change of 13.07%. This indicates that the balance sheet and financial strength for Elsa State Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Elsa State Bank and Trust Company has increased its total deposits by $6.64 million, resulting in 4.49% 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 Elsa State Bank and Trust Company 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. Elsa State Bank and Trust Company has $169.67 million in assets with $15.4 million in equity, resulting in a capitalization level of 9.08%, which is average.

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