Institution Statistics
| Stock Growers Bank | | FDIC Certificate # | 15440 | | BankRate Report | View | | Year Established | 1900 | | Employees | 9 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $58.13 million | | Loans | $30.73 million | | Deposits | $51.43 million | | Equity Capital | $6.50 million | | Loan Loss Allowance | $353,000 |
Historic Data - March 2011 | | Assets | $52.25 million | | Equity Capital | $5.66 million | | Loan Loss Allowance | $357,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.3% | | Return on Assets | 1.67% | | Return on Equity | 14.97% | | Interest Income | $560,000 |
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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 Stock Growers Bank had $0 in non-current loans and owned real-estate with $6.85 million in equity and loan loss allowances on hand to cover it. This gives Stock Growers 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, Stock Growers Bank has increased its total deposits by $5.03 million, resulting in 10.85% 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 Stock Growers 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. Stock Growers Bank has $58.13 million in assets with $6.85 million in equity, resulting in a capitalization level of 11.79%, which is above average. |
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