Institution Statistics
| Ford County State Bank | | FDIC Certificate # | 12139 | | BankRate Report | View | | Year Established | 1902 | | Employees | 6 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $34.83 million | | Loans | $17.32 million | | Deposits | $30.21 million | | Equity Capital | $4.36 million | | Loan Loss Allowance | $354,000 | | Unbacked Noncurrent Loans | $803,000 | | Real Estate Owned | $33,000 |
Historic Data - March 2011 | | Assets | $32.45 million | | Equity Capital | $4.07 million | | Loan Loss Allowance | $367,000 | | Unbacked Noncurrent Loans | $1.05 million | | Real Estate Owned | $33,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.09% | | Return on Assets | 0.47% | | Return on Equity | 3.67% | | Interest Income | $299,000 |
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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 Ford County State Bank had $836,000 in non-current loans and owned real-estate with $4.72 million in equity and loan loss allowances on hand to cover it. This gives Ford County State Bank a Texas Ratio of 17.73% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Ford County State Bank decreased slightly from 24.31% as of March 31, 2011 to 17.73% as of March 31, 2012, resulting in a positive change of 27.09%.This indicates that the balance sheet and financial strength for Ford County State Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Ford County State Bank has increased its total deposits by $2.09 million, resulting in 7.42% 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 Ford County State Bank 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. Ford County State Bank has $34.83 million in assets with $4.72 million in equity, resulting in a capitalization level of 13.54%, which is excellent. |
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