Institution Statistics
| Schwertner State Bank | | FDIC Certificate # | 5523 | | BankRate Report | View | | Year Established | 1912 | | Employees | 12 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $40.94 million | | Loans | $8.59 million | | Deposits | $36.15 million | | Equity Capital | $4.60 million | | Loan Loss Allowance | $62,000 |
Historic Data - March 2011 | | Assets | $37.58 million | | Equity Capital | $4.40 million | | Loan Loss Allowance | $73,000 | | Unbacked Noncurrent Loans | $13,000 |
Profit Margin - Quarterly | | Net Interest Margin | 1.51% | | Return on Assets | -0.01% | | Return on Equity | -0.09% | | Interest Income | $208,000 |
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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 Schwertner State Bank had $0 in non-current loans and owned real-estate with $4.66 million in equity and loan loss allowances on hand to cover it. This gives Schwertner 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, Schwertner State Bank has increased its total deposits by $3.2 million, resulting in 9.72% 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 Schwertner 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. Schwertner State Bank has $40.94 million in assets with $4.66 million in equity, resulting in a capitalization level of 11.38%, which is above average. |
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