Mills County State Bank

Mills County State Bank is headquartered in Goldthwaite and is the 233^rd largest bank in the state of Texas. It is also the 2,945^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 65 employees at 4 locations. Mills County State Bank has a 5-star health rating.

Mills County State Bank Routing Number: 111906747

Mills County State Bank Checking Account Rates

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Mills County State Bank CD Rates

Data for Q1 2012

Institution Statistics Mills County State Bank FDIC Certificate # 15669 BankRate Report View Year Established 1908 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $216.26 million Loans $103.63 million Deposits $188.05 million Equity Capital $25.03 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $319,000 Historic Data - March 2011 Assets $207.33 million Equity Capital $22.90 million Loan Loss Allowance $981,000 Unbacked Noncurrent Loans $1.30 million Real Estate Owned $327,000 Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 1.24% Return on Equity 10.77% Interest Income $2.05 million

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 Mills County State Bank had $2.08 million in non-current loans and owned real-estate with $26.25 million in equity and loan loss allowances on hand to cover it. This gives Mills County State Bank a Texas Ratio of 7.93% 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 Mills County State Bank held steady from 6.82% as of March 31, 2011 to 7.93% as of March 31, 2012, resulting in a negative change of 16.30%. This indicates that the balance sheet and financial strength for Mills County State Bank has held steady in recent periods. Deposit Growth In the past year, Mills County State Bank has increased its total deposits by $6.75 million, resulting in 3.72% 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 Mills County State Bank has shown is above 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. Mills County State Bank has $216.26 million in assets with $26.25 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

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