Institution Statistics
| The Lyon County State Bank | | FDIC Certificate # | 14952 | | BankRate Report | View | | Year Established | 1913 | | Employees | 23 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $93.86 million | | Loans | $26.73 million | | Deposits | $82.43 million | | Equity Capital | $8.58 million | | Loan Loss Allowance | $475,000 | | Unbacked Noncurrent Loans | $160,000 |
Historic Data - March 2011 | | Assets | $79.34 million | | Equity Capital | $7.43 million | | Loan Loss Allowance | $488,000 | | Unbacked Noncurrent Loans | $40,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.15% | | Return on Assets | 0.58% | | Return on Equity | 6.19% | | Interest Income | $721,000 |
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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 Lyon County State Bank had $160,000 in non-current loans and owned real-estate with $9.05 million in equity and loan loss allowances on hand to cover it. This gives Lyon County State Bank a Texas Ratio of 1.77% 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 Lyon County State Bank held steady from 0.51% as of March 31, 2011 to 1.77% as of March 31, 2012, resulting in a negative change of 249.81%. This indicates that the balance sheet and financial strength for Lyon County State Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Lyon County State Bank has increased its total deposits by $12.69 million, resulting in 18.2% 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 Lyon County State Bank 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. Lyon County State Bank has $93.86 million in assets with $9.05 million in equity, resulting in a capitalization level of 9.65%, which is average. |
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