Institution Statistics
| Hardware State Bank | | FDIC Certificate # | 12408 | | BankRate Report | View | | Year Established | 1885 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $25.59 million | | Loans | $9.23 million | | Deposits | $23.51 million | | Equity Capital | $2.04 million | | Loan Loss Allowance | $164,000 | | Unbacked Noncurrent Loans | $485,000 |
Historic Data - March 2011 | | Assets | $25.49 million | | Equity Capital | $1.99 million | | Loan Loss Allowance | $140,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.4% | | Return on Assets | 0.26% | | Return on Equity | 3.14% | | Interest Income | $157,000 |
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Institution Health
Overall Score:
3 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 Hardware State Bank had $485,000 in non-current loans and owned real-estate with $2.21 million in equity and loan loss allowances on hand to cover it. This gives Hardware State Bank a Texas Ratio of 21.99% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Hardware State Bank has increased its total deposits by $77,000, resulting in 0.33% 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 Hardware State Bank has shown is 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. Hardware State Bank has $25.59 million in assets with $2.21 million in equity, resulting in a capitalization level of 8.62%, which is average. |
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