Institution Statistics
| Industrial State Bank | | FDIC Certificate # | 18072 | | BankRate Report | View | | Year Established | 1959 | | Employees | 45 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $151.39 million | | Loans | $96.17 million | | Deposits | $113.14 million | | Equity Capital | $32.82 million | | Loan Loss Allowance | $1.42 million | | Unbacked Noncurrent Loans | $762,000 | | Real Estate Owned | $2.26 million |
Historic Data - March 2011 | | Assets | $150.57 million | | Equity Capital | $30.92 million | | Loan Loss Allowance | $1.48 million | | Unbacked Noncurrent Loans | $1.22 million | | Real Estate Owned | $2.62 million |
Profit Margin - Quarterly | | Net Interest Margin | 4% | | Return on Assets | 1.16% | | Return on Equity | 5.34% | | Interest Income | $1.66 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 Industrial State Bank had $3.02 million in non-current loans and owned real-estate with $34.24 million in equity and loan loss allowances on hand to cover it. This gives Industrial State Bank a Texas Ratio of 8.82% 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 Industrial State Bank decreased slightly from 11.86% as of March 31, 2011 to 8.82% as of March 31, 2012, resulting in a positive change of 25.65%.This indicates that the balance sheet and financial strength for Industrial State Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Industrial State Bank has decreased its total deposits by -$1.2 million, resulting in -1.05% 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 Industrial State Bank has shown is below 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. Industrial State Bank has $151.39 million in assets with $34.24 million in equity, resulting in a capitalization level of 22.62%, which is excellent. |
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