First State Bank of Ben Wheeler, Texas

First State Bank of Ben Wheeler, Texas is headquartered in Ben Wheeler and is the 364^th largest bank in the state of Texas. It is also the 4,549^th largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 30 employees at 4 locations. First State Bank of Ben Wheeler, Texas has a 5-star health rating.

Data for Q1 2012

Institution Statistics First State Bank of Ben Wheeler, Texas FDIC Certificate # 11904 BankRate Report View Year Established 1911 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $115.97 million Loans $41.77 million Deposits $103.01 million Equity Capital $12.35 million Loan Loss Allowance $538,000 Unbacked Noncurrent Loans $580,000 Real Estate Owned $243,000 Historic Data - March 2011 Assets $105.35 million Equity Capital $11.23 million Loan Loss Allowance $535,000 Unbacked Noncurrent Loans $480,000 Real Estate Owned $338,000 Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 1.81% Return on Equity 17.19% Interest Income $1.17 million

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 First State Bank of Ben Wheeler, Texas had $823,000 in non-current loans and owned real-estate with $12.88 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of Ben Wheeler, Texas a Texas Ratio of 6.39% 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 First State Bank of Ben Wheeler, Texas held steady from 6.95% as of March 31, 2011 to 6.39% as of March 31, 2012, resulting in a positive change of 8.15%.This indicates that the balance sheet and financial strength for First State Bank of Ben Wheeler, Texas has held steady in recent periods. Deposit Growth In the past year, First State Bank of Ben Wheeler, Texas has increased its total deposits by $9.07 million, resulting in 9.66% 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 First State Bank of Ben Wheeler, Texas 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. First State Bank of Ben Wheeler, Texas has $115.97 million in assets with $12.88 million in equity, resulting in a capitalization level of 11.11%, which is above average.

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