Institution Statistics
| Victor State Bank | | FDIC Certificate # | 12859 | | BankRate Report | View | | Year Established | 1928 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $44.24 million | | Loans | $20.23 million | | Deposits | $31.84 million | | Equity Capital | $8.85 million | | Loan Loss Allowance | $125,000 |
Historic Data - March 2011 | | Assets | $39.33 million | | Equity Capital | $7.99 million | | Loan Loss Allowance | $125,000 | | Unbacked Noncurrent Loans | $2,000 | | Real Estate Owned | $233,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.1% | | Return on Assets | 4.16% | | Return on Equity | 21.16% | | Interest Income | $500,000 |
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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 Victor State Bank had $0 in non-current loans and owned real-estate with $8.98 million in equity and loan loss allowances on hand to cover it. This gives Victor 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, Victor State Bank has increased its total deposits by $1.4 million, resulting in 4.61% 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 Victor State Bank 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. Victor State Bank has $44.24 million in assets with $8.98 million in equity, resulting in a capitalization level of 20.29%, which is excellent. |
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