Institution Statistics
| White State Bank | | FDIC Certificate # | 8519 | | BankRate Report | View | | Year Established | 1908 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $32.47 million | | Loans | $17.07 million | | Deposits | $27.19 million | | Equity Capital | $5.05 million | | Loan Loss Allowance | $244,000 | | Unbacked Noncurrent Loans | $12,000 |
Historic Data - March 2011 | | Assets | $29.53 million | | Equity Capital | $4.64 million | | Loan Loss Allowance | $244,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.81% | | Return on Assets | 1.55% | | Return on Equity | 9.94% | | Interest Income | $357,000 |
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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 White State Bank had $12,000 in non-current loans and owned real-estate with $5.29 million in equity and loan loss allowances on hand to cover it. This gives White State Bank a Texas Ratio of 0.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, White State Bank has increased its total deposits by $2.46 million, resulting in 9.96% 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 White State 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. White State Bank has $32.47 million in assets with $5.29 million in equity, resulting in a capitalization level of 16.30%, which is excellent. |
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