Institution Statistics
| Hartwick State Bank | | FDIC Certificate # | 14015 | | BankRate Report | View | | Year Established | 1928 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $26.19 million | | Loans | $10.17 million | | Deposits | $22.45 million | | Equity Capital | $2.38 million | | Loan Loss Allowance | $120,000 |
Historic Data - March 2011 | | Assets | $24.77 million | | Equity Capital | $2.34 million | | Loan Loss Allowance | $123,000 | | Unbacked Noncurrent Loans | $62,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.17% | | Return on Assets | 0.93% | | Return on Equity | 10.05% | | Interest Income | $246,000 |
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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 Hartwick State Bank had $0 in non-current loans and owned real-estate with $2.5 million in equity and loan loss allowances on hand to cover it. This gives Hartwick State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Hartwick State Bank has increased its total deposits by $1.44 million, resulting in 6.83% 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 Hartwick 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. Hartwick State Bank has $26.19 million in assets with $2.5 million in equity, resulting in a capitalization level of 9.53%, which is average. |
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