Interstate Bank, ssb

Interstate Bank, ssb is headquartered in Perryton and is the 272^nd largest bank in the state of Texas. It is also the 3,422^nd largest bank in the nation. It was established in 1957 and as of March of 2012, it had grown to 47 employees at 3 locations. Interstate Bank, ssb has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Interstate Bank, ssb FDIC Certificate # 31043 BankRate Report View Year Established 1957 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $178.02 million Loans $66.38 million Deposits $164.96 million Equity Capital $12.71 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $3.43 million Real Estate Owned $77,000 Historic Data - March 2011 Assets $135.33 million Equity Capital $11.49 million Loan Loss Allowance $857,000 Unbacked Noncurrent Loans $2.38 million Real Estate Owned $437,000 Profit Margin - Quarterly Net Interest Margin 3.19% Return on Assets 0.67% Return on Equity 8.89% Interest Income $1.37 million

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 Interstate Bank, ssb had $3.5 million in non-current loans and owned real-estate with $13.92 million in equity and loan loss allowances on hand to cover it. This gives Interstate Bank, ssb a Texas Ratio of 25.17% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Interstate Bank, ssb held steady from 22.81% as of March 31, 2011 to 25.17% as of March 31, 2012, resulting in a negative change of 10.37%. This indicates that the balance sheet and financial strength for Interstate Bank, ssb has held steady in recent periods. Deposit Growth In the past year, Interstate Bank, ssb has increased its total deposits by $41.73 million, resulting in 33.87% 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 Interstate Bank, ssb 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. Interstate Bank, ssb has $178.02 million in assets with $13.92 million in equity, resulting in a capitalization level of 7.82%, which is below average.

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