Institution Statistics
| ITS Bank | | FDIC Certificate # | 34619 | | BankRate Report | View | | Year Established | 2000 | | Employees | 0 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $5.53 million | | Deposits | $500,000 | | Equity Capital | $5.02 million |
Historic Data - March 2011 | | Assets | $5.38 million | | Equity Capital | $4.86 million |
Profit Margin - Quarterly | | Net Interest Margin | 1.93% | | Return on Assets | 3.12% | | Return on Equity | 3.44% | | Interest Income | $25,000 |
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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 ITS Bank had $0 in non-current loans and owned real-estate with $5.01 million in equity and loan loss allowances on hand to cover it. This gives ITS 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, ITS Bank has increased its total deposits by $0, resulting in 0% 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 ITS Bank has shown is 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. ITS Bank has $5.53 million in assets with $5.01 million in equity, resulting in a capitalization level of 90.69%, which is excellent. |
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