Institution Statistics
| Keystone Community Bank | | FDIC Certificate # | 34387 | | BankRate Report | View | | Year Established | 1997 | | Employees | 48 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $254.23 million | | Loans | $180.84 million | | Deposits | $206.89 million | | Equity Capital | $40.83 million | | Loan Loss Allowance | $5.12 million | | Unbacked Noncurrent Loans | $2.21 million | | Real Estate Owned | $450,000 |
Historic Data - March 2011 | | Assets | $260.90 million | | Equity Capital | $39.79 million | | Loan Loss Allowance | $5.84 million | | Unbacked Noncurrent Loans | $6.07 million | | Real Estate Owned | $1.56 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.41% | | Return on Assets | 0.39% | | Return on Equity | 2.44% | | Interest Income | $2.83 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 Keystone Community Bank had $2.66 million in non-current loans and owned real-estate with $45.95 million in equity and loan loss allowances on hand to cover it. This gives Keystone Community Bank a Texas Ratio of 5.78% 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 Keystone Community Bank decreased significantly from 16.72% as of March 31, 2011 to 5.78% as of March 31, 2012, resulting in a positive change of 65.41%.This indicates that the balance sheet and financial strength for Keystone Community Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Keystone Community Bank has decreased its total deposits by -$5.69 million, resulting in -2.68% 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 Keystone Community 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. Keystone Community Bank has $254.23 million in assets with $45.95 million in equity, resulting in a capitalization level of 18.07%, which is excellent. |
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