Institution Statistics
| Fairview State Banking Company | | FDIC Certificate # | 11731 | | BankRate Report | View | | Year Established | 1915 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $26.51 million | | Loans | $8.44 million | | Deposits | $23.00 million | | Equity Capital | $3.35 million | | Loan Loss Allowance | $130,000 | | Unbacked Noncurrent Loans | $223,000 | | Real Estate Owned | $20,000 |
Historic Data - March 2011 | | Assets | $23.76 million | | Equity Capital | $2.84 million | | Loan Loss Allowance | $160,000 | | Unbacked Noncurrent Loans | $415,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.7% | | Return on Assets | 0.73% | | Return on Equity | 5.94% | | Interest Income | $273,000 |
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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 Fairview State Banking Company had $243,000 in non-current loans and owned real-estate with $3.48 million in equity and loan loss allowances on hand to cover it. This gives Fairview State Banking Company a Texas Ratio of 6.99% 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 Fairview State Banking Company decreased significantly from 13.84% as of March 31, 2011 to 6.99% as of March 31, 2012, resulting in a positive change of 49.53%.This indicates that the balance sheet and financial strength for Fairview State Banking Company has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Fairview State Banking Company has increased its total deposits by $2.16 million, resulting in 10.34% 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 Fairview State Banking Company 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. Fairview State Banking Company has $26.51 million in assets with $3.48 million in equity, resulting in a capitalization level of 13.12%, which is excellent. |
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