Institution Statistics
| Memphis State Bank | | FDIC Certificate # | 26614 | | BankRate Report | View | | Year Established | 1986 | | Employees | 11 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $36.41 million | | Loans | $6.13 million | | Deposits | $32.39 million | | Equity Capital | $3.86 million | | Loan Loss Allowance | $80,000 |
Historic Data - March 2011 | | Assets | $32.06 million | | Equity Capital | $3.86 million | | Loan Loss Allowance | $82,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.95% | | Return on Assets | 1.05% | | Return on Equity | 9.63% | | Interest Income | $256,000 |
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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 Memphis State Bank had $0 in non-current loans and owned real-estate with $3.94 million in equity and loan loss allowances on hand to cover it. This gives Memphis State 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, Memphis State Bank has increased its total deposits by $4.22 million, resulting in 14.98% 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 Memphis 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. Memphis State Bank has $36.41 million in assets with $3.94 million in equity, resulting in a capitalization level of 10.83%, which is above average. |
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