Institution Statistics
| Shelby County State Bank | | FDIC Certificate # | 11702 | | BankRate Report | View | | Year Established | 1895 | | Employees | 55 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $212.32 million | | Loans | $103.86 million | | Deposits | $189.34 million | | Equity Capital | $21.07 million | | Loan Loss Allowance | $800,000 | | Unbacked Noncurrent Loans | $68,000 | | Real Estate Owned | $217,000 |
Historic Data - March 2011 | | Assets | $195.55 million | | Equity Capital | $19.68 million | | Loan Loss Allowance | $737,000 | | Unbacked Noncurrent Loans | $129,000 | | Real Estate Owned | $260,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.08% | | Return on Assets | 0.87% | | Return on Equity | 8.62% | | Interest Income | $1.82 million |
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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 Shelby County State Bank had $285,000 in non-current loans and owned real-estate with $21.86 million in equity and loan loss allowances on hand to cover it. This gives Shelby County State Bank a Texas Ratio of 1.30% 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 Shelby County State Bank decreased slightly from 1.91% as of March 31, 2011 to 1.30% as of March 31, 2012, resulting in a positive change of 31.58%.This indicates that the balance sheet and financial strength for Shelby County State Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Shelby County State Bank has increased its total deposits by $15.47 million, resulting in 8.9% 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 Shelby County 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. Shelby County State Bank has $212.32 million in assets with $21.86 million in equity, resulting in a capitalization level of 10.30%, which is above average. |
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