Institution Statistics
| Hartsburg State Bank | | FDIC Certificate # | 11716 | | BankRate Report | View | | Year Established | 1901 | | Employees | 3 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $18.57 million | | Loans | $8.31 million | | Deposits | $16.91 million | | Equity Capital | $1.46 million | | Loan Loss Allowance | $100,000 | | Unbacked Noncurrent Loans | $258,000 |
Historic Data - March 2011 | | Assets | $19.12 million | | Equity Capital | $2.05 million | | Loan Loss Allowance | $74,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.44% | | Return on Assets | -0.09% | | Return on Equity | -1.1% | | Interest Income | $139,000 |
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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 Hartsburg State Bank had $258,000 in non-current loans and owned real-estate with $1.56 million in equity and loan loss allowances on hand to cover it. This gives Hartsburg State Bank a Texas Ratio of 16.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Hartsburg State Bank has increased its total deposits by $0, resulting in 0% 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 Hartsburg 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. Hartsburg State Bank has $18.57 million in assets with $1.56 million in equity, resulting in a capitalization level of 8.39%, which is average. |
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