Institution Statistics
| Hardin County Savings Bank | | FDIC Certificate # | 5817 | | BankRate Report | View | | Year Established | 1868 | | Employees | 32 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $166.99 million | | Loans | $75.05 million | | Deposits | $146.07 million | | Equity Capital | $14.61 million | | Loan Loss Allowance | $1.41 million | | Unbacked Noncurrent Loans | $2.73 million | | Real Estate Owned | $577,000 |
Historic Data - March 2011 | | Assets | $150.27 million | | Equity Capital | $12.62 million | | Loan Loss Allowance | $1.55 million | | Unbacked Noncurrent Loans | $1.57 million | | Real Estate Owned | $1.44 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.28% | | Return on Assets | 1.29% | | Return on Equity | 14.64% | | Interest Income | $1.67 million |
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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 Hardin County Savings Bank had $3.3 million in non-current loans and owned real-estate with $16.02 million in equity and loan loss allowances on hand to cover it. This gives Hardin County Savings Bank a Texas Ratio of 20.62% 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 Hardin County Savings Bank held steady from 21.26% as of March 31, 2011 to 20.62% as of March 31, 2012, resulting in a positive change of 2.99%.This indicates that the balance sheet and financial strength for Hardin County Savings Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Hardin County Savings Bank has increased its total deposits by $15.13 million, resulting in 11.56% 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 Hardin County Savings 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. Hardin County Savings Bank has $166.99 million in assets with $16.02 million in equity, resulting in a capitalization level of 9.59%, which is average. |
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