Institution Statistics
| Prescott State Bank | | FDIC Certificate # | 13729 | | BankRate Report | View | | Year Established | 1904 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $15.03 million | | Loans | $6.92 million | | Deposits | $12.00 million | | Equity Capital | $1.71 million | | Loan Loss Allowance | $134,000 |
Historic Data - March 2011 | | Assets | $14.52 million | | Equity Capital | $1.64 million | | Loan Loss Allowance | $135,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.4% | | Return on Assets | 0.3% | | Return on Equity | 2.58% | | Interest Income | $153,000 |
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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 Prescott State Bank had $0 in non-current loans and owned real-estate with $1.84 million in equity and loan loss allowances on hand to cover it. This gives Prescott 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, Prescott State Bank has increased its total deposits by $272,000, resulting in 2.32% 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 Prescott 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. Prescott State Bank has $15.03 million in assets with $1.84 million in equity, resulting in a capitalization level of 12.27%, which is excellent. |
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