Institution Statistics
| Home State Bank & Trust Co. of McPherson, Kansas | | FDIC Certificate # | 15262 | | BankRate Report | View | | Year Established | 1903 | | Employees | 44 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $148.71 million | | Loans | $62.68 million | | Deposits | $115.92 million | | Equity Capital | $19.14 million | | Loan Loss Allowance | $37,000 | | Unbacked Noncurrent Loans | $1.40 million | | Real Estate Owned | $423,000 |
Historic Data - March 2011 | | Assets | $131.99 million | | Equity Capital | $11.02 million | | Loan Loss Allowance | $1.05 million | | Unbacked Noncurrent Loans | $1.08 million | | Real Estate Owned | $726,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.26% | | Return on Assets | 0.71% | | Return on Equity | 5.52% | | Interest Income | $1.31 million |
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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 Home State Bank & Trust Co. of McPherson, Kansas had $1.83 million in non-current loans and owned real-estate with $19.18 million in equity and loan loss allowances on hand to cover it. This gives Home State Bank & Trust Co. of McPherson, Kansas a Texas Ratio of 9.52% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Home State Bank & Trust Co. of McPherson, Kansas decreased slightly from 14.48% as of March 31, 2011 to 9.52% as of March 31, 2012, resulting in a positive change of 34.25%.This indicates that the balance sheet and financial strength for Home State Bank & Trust Co. of McPherson, Kansas has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Home State Bank & Trust Co. of McPherson, Kansas has increased its total deposits by $10.93 million, resulting in 10.41% 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 Home State Bank & Trust Co. of McPherson, Kansas 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. Home State Bank & Trust Co. of McPherson, Kansas has $148.71 million in assets with $19.18 million in equity, resulting in a capitalization level of 12.89%, which is excellent. |
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