Institution Statistics
| West Plains Bank | | FDIC Certificate # | 5369 | | BankRate Report | View | | Year Established | 1913 | | Employees | 16 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $93.04 million | | Loans | $48.08 million | | Deposits | $76.97 million | | Equity Capital | $11.00 million | | Loan Loss Allowance | $730,000 | | Unbacked Noncurrent Loans | $248,000 |
Historic Data - March 2011 | | Assets | $85.41 million | | Equity Capital | $10.46 million | | Loan Loss Allowance | $864,000 | | Unbacked Noncurrent Loans | $336,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.18% | | Return on Assets | 0.81% | | Return on Equity | 6.81% | | Interest Income | $840,000 |
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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 West Plains Bank had $248,000 in non-current loans and owned real-estate with $11.73 million in equity and loan loss allowances on hand to cover it. This gives West Plains Bank a Texas Ratio of 2.11% 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 West Plains Bank decreased slightly from 2.97% as of March 31, 2011 to 2.11% as of March 31, 2012, resulting in a positive change of 28.70%.This indicates that the balance sheet and financial strength for West Plains Bank has improved slightly in recent periods. | | Deposit Growth | | | In the past year, West Plains Bank has increased its total deposits by $5.47 million, resulting in 7.65% 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 West Plains 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. West Plains Bank has $93.04 million in assets with $11.73 million in equity, resulting in a capitalization level of 12.60%, which is excellent. |
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