Institution Statistics
| Prairie Sun Bank | | FDIC Certificate # | 8207 | | BankRate Report | View | | Year Established | 1915 | | Employees | 10 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $30.32 million | | Loans | $17.83 million | | Deposits | $27.58 million | | Equity Capital | $2.40 million | | Loan Loss Allowance | $181,000 | | Unbacked Noncurrent Loans | $82,000 | | Real Estate Owned | $63,000 |
Historic Data - March 2011 | | Assets | $27.77 million | | Equity Capital | $2.22 million | | Loan Loss Allowance | $208,000 | | Unbacked Noncurrent Loans | $357,000 | | Real Estate Owned | $70,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.48% | | Return on Assets | 1.37% | | Return on Equity | 16.66% | | Interest Income | $324,000 |
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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 Prairie Sun Bank had $145,000 in non-current loans and owned real-estate with $2.58 million in equity and loan loss allowances on hand to cover it. This gives Prairie Sun Bank a Texas Ratio of 5.63% 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 Prairie Sun Bank decreased significantly from 17.61% as of March 31, 2011 to 5.63% as of March 31, 2012, resulting in a positive change of 68.03%.This indicates that the balance sheet and financial strength for Prairie Sun Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Prairie Sun Bank has increased its total deposits by $2.36 million, resulting in 9.37% 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 Prairie Sun 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. Prairie Sun Bank has $30.32 million in assets with $2.58 million in equity, resulting in a capitalization level of 8.50%, which is average. |
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