State Bank of De Kalb

State Bank of De Kalb is headquartered in De Kalb and is the 343^rd largest bank in the state of Texas. It is also the 4,361^st largest bank in the nation. It was established in 1937 and as of March of 2012, it had grown to 31 employees at 3 locations. State Bank of De Kalb has a 5-star health rating.

State Bank of De Kalb Routing Number: 111907089

Data for Q1 2012

Institution Statistics State Bank of De Kalb FDIC Certificate # 15463 BankRate Report View Year Established 1937 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $124.47 million Loans $77.86 million Deposits $105.53 million Equity Capital $17.97 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.79 million Real Estate Owned $513,000 Historic Data - March 2011 Assets $121.09 million Equity Capital $17.51 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $2.64 million Real Estate Owned $183,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 1.76% Return on Equity 12.13% Interest Income $1.29 million

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 State Bank of De Kalb had $2.3 million in non-current loans and owned real-estate with $19.27 million in equity and loan loss allowances on hand to cover it. This gives State Bank of De Kalb a Texas Ratio of 11.92% which is above 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 De Kalb decreased slightly from 15.12% as of March 31, 2011 to 11.92% as of March 31, 2012, resulting in a positive change of 21.13%.This indicates that the balance sheet and financial strength for State Bank of De Kalb has improved slightly in recent periods. Deposit Growth In the past year, State Bank of De Kalb has increased its total deposits by $2.17 million, resulting in 2.1% 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 De Kalb 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. State Bank of De Kalb has $124.47 million in assets with $19.27 million in equity, resulting in a capitalization level of 15.48%, which is excellent.

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