Institution Statistics
| State Bank of Burrton | | FDIC Certificate # | 16583 | | BankRate Report | View | | Year Established | 1947 | | Employees | 4 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $10.85 million | | Loans | $5.06 million | | Deposits | $9.75 million | | Equity Capital | $1.09 million | | Loan Loss Allowance | $144,000 | | Unbacked Noncurrent Loans | $38,000 | | Real Estate Owned | $163,000 |
Historic Data - March 2011 | | Assets | $9.74 million | | Equity Capital | $1.02 million | | Loan Loss Allowance | $143,000 | | Unbacked Noncurrent Loans | $47,000 | | Real Estate Owned | $168,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.69% | | Return on Assets | 0.59% | | Return on Equity | 5.52% | | Interest Income | $98,000 |
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Institution Health
Overall Score:
4 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 State Bank of Burrton had $201,000 in non-current loans and owned real-estate with $1.24 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Burrton a Texas Ratio of 16.24% 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 State Bank of Burrton held steady from 18.45% as of March 31, 2011 to 16.24% as of March 31, 2012, resulting in a positive change of 12.02%.This indicates that the balance sheet and financial strength for State Bank of Burrton has held steady in recent periods. | | Deposit Growth |  | | In the past year, State Bank of Burrton has increased its total deposits by $1.04 million, resulting in 11.95% 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 State Bank of Burrton 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. State Bank of Burrton has $10.85 million in assets with $1.24 million in equity, resulting in a capitalization level of 11.41%, which is above average. |
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