Institution Statistics
| InsBank | | FDIC Certificate # | 35521 | | BankRate Report | View | | Year Established | 2000 | | Employees | 22 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $168.28 million | | Loans | $121.46 million | | Deposits | $111.58 million | | Equity Capital | $18.24 million | | Loan Loss Allowance | $2.84 million | | Unbacked Noncurrent Loans | $1.36 million | | Real Estate Owned | $36,000 |
Historic Data - March 2011 | | Assets | $143.74 million | | Equity Capital | $13.79 million | | Loan Loss Allowance | $3.00 million | | Unbacked Noncurrent Loans | $2.05 million | | Real Estate Owned | $123,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.4% | | Return on Assets | 0.87% | | Return on Equity | 7.83% | | Interest Income | $1.95 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 InsBank had $1.4 million in non-current loans and owned real-estate with $21.08 million in equity and loan loss allowances on hand to cover it. This gives InsBank a Texas Ratio of 6.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for InsBank decreased significantly from 12.95% as of March 31, 2011 to 6.62% as of March 31, 2012, resulting in a positive change of 48.84%.This indicates that the balance sheet and financial strength for InsBank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, InsBank has increased its total deposits by $13.94 million, resulting in 14.28% 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 InsBank 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. InsBank has $168.28 million in assets with $21.08 million in equity, resulting in a capitalization level of 12.52%, which is excellent. |
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