Institution Statistics
| Wilson Bank and Trust | | FDIC Certificate # | 26962 | | BankRate Report | View | | Year Established | 1987 | | Employees | 365 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.62 billion | | Loans | $1.13 billion | | Deposits | $1.45 billion | | Equity Capital | $158.28 million | | Loan Loss Allowance | $25.80 million | | Unbacked Noncurrent Loans | $28.38 million | | Real Estate Owned | $20.16 million |
Historic Data - March 2011 | | Assets | $1.49 billion | | Equity Capital | $145.06 million | | Loan Loss Allowance | $22.05 million | | Unbacked Noncurrent Loans | $19.04 million | | Real Estate Owned | $15.28 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.71% | | Return on Assets | 0.73% | | Return on Equity | 7.39% | | Interest Income | $17.84 million |
|
|
Institution Health
Overall Score:
4 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 Wilson Bank and Trust had $48.54 million in non-current loans and owned real-estate with $184.08 million in equity and loan loss allowances on hand to cover it. This gives Wilson Bank and Trust a Texas Ratio of 26.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Wilson Bank and Trust increased slightly from 20.54% as of March 31, 2011 to 26.37% as of March 31, 2012, resulting in a negative change of 28.40%. This indicates that the balance sheet and financial strength for Wilson Bank and Trust has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Wilson Bank and Trust has increased its total deposits by $113.69 million, resulting in 8.54% 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 Wilson Bank and Trust 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. Wilson Bank and Trust has $1.62 billion in assets with $184.08 million in equity, resulting in a capitalization level of 11.37%, which is above average. |
|
