Institution Statistics
| Winside State Bank | | FDIC Certificate # | 16325 | | BankRate Report | View | | Year Established | 1936 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $21.93 million | | Loans | $12.78 million | | Deposits | $17.18 million | | Equity Capital | $4.44 million | | Loan Loss Allowance | $138,000 |
Historic Data - March 2011 | | Assets | $22.05 million | | Equity Capital | $4.44 million | | Loan Loss Allowance | $138,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.51% | | Return on Assets | 1.54% | | Return on Equity | 7.54% | | Interest Income | $207,000 |
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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 Winside State Bank had $0 in non-current loans and owned real-estate with $4.57 million in equity and loan loss allowances on hand to cover it. This gives Winside 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, Winside State Bank has increased its total deposits by $381,000, resulting in 2.27% 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 Winside 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. Winside State Bank has $21.92 million in assets with $4.57 million in equity, resulting in a capitalization level of 20.86%, which is excellent. |
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