Powell State Bank

Powell State Bank is headquartered in Powell and is the 575^th largest bank in the state of Texas. It is also the 6,970^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 10 employees at 1 location. Powell State Bank has a 3-star health rating.

Powell State Bank Routing Number: 111912388

Data for Q1 2012

Institution Statistics Powell State Bank FDIC Certificate # 18302 BankRate Report View Year Established 1910 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $29.09 million Loans $15.00 million Deposits $25.37 million Equity Capital $3.10 million Loan Loss Allowance $307,000 Unbacked Noncurrent Loans $732,000 Real Estate Owned $44,000 Historic Data - March 2011 Assets $30.15 million Equity Capital $2.95 million Loan Loss Allowance $242,000 Unbacked Noncurrent Loans $525,000 Real Estate Owned $44,000 Profit Margin - Quarterly Net Interest Margin 4.76% Return on Assets 0.82% Return on Equity 7.88% Interest Income $342,000

Institution Health Overall Score: 3 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 Powell State Bank had $776,000 in non-current loans and owned real-estate with $3.41 million in equity and loan loss allowances on hand to cover it. This gives Powell State Bank a Texas Ratio of 22.75% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Powell State Bank held steady from 17.84% as of March 31, 2011 to 22.75% as of March 31, 2012, resulting in a negative change of 27.54%. This indicates that the balance sheet and financial strength for Powell State Bank has held steady in recent periods. Deposit Growth In the past year, Powell State Bank has decreased its total deposits by -$1.29 million, resulting in -4.83% 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 Powell State 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. Powell State Bank has $29.09 million in assets with $3.41 million in equity, resulting in a capitalization level of 11.72%, which is above average.

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