Institution Statistics
| Zavala County Bank | | FDIC Certificate # | 15105 | | BankRate Report | View | | Year Established | 1907 | | Employees | 25 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $65.60 million | | Loans | $10.23 million | | Deposits | $56.27 million | | Equity Capital | $8.23 million | | Loan Loss Allowance | $188,000 | | Unbacked Noncurrent Loans | $499,000 |
Historic Data - March 2011 | | Assets | $59.51 million | | Equity Capital | $7.68 million | | Loan Loss Allowance | $189,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.3% | | Return on Assets | 1.07% | | Return on Equity | 8.47% | | Interest Income | $519,000 |
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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 Zavala County Bank had $499,000 in non-current loans and owned real-estate with $8.41 million in equity and loan loss allowances on hand to cover it. This gives Zavala County Bank a Texas Ratio of 5.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Zavala County Bank has increased its total deposits by $4.99 million, resulting in 9.73% 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 Zavala County 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. Zavala County Bank has $65.6 million in assets with $8.41 million in equity, resulting in a capitalization level of 12.83%, which is excellent. |
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