I met today's guest, Winsome Kirton, after speaking at my first Dream Space event right here in Grand Rapids, Michigan. We sat down for coffee afterward and I loved her story so much, that I KNEW I just had to share it with you all!
Like most entrepreneurs, she saw a need and instead of complaining about it she decided to take matters into her own hands and create a business. Her passion for putting the spot light on local shops has created such sense of community that even Oprah's Stedman Graham is taking notice!
Her business, Pack Elephant, packages goods from local mom & pop stores and then presents them to realtors, event planners and hotel managers to give as client appreciation gifts. Not only does this provide local business owners more visibility, but it also engages travelers to appreciate the heart beat of the community they are visiting.
~Where to put your focus when you hear the word "no"


Austin County State Bank is an FDIC insured institution located in Bellville, TX. It was founded in 2007 and has approximately $0.17 billion in assets.
For a more detailed analysis of Austin County State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
The top three loan types in Austin County State Bank's loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.
Compared to other banks, Austin County State Bank's loan portfolio does not show any specific loan specialty.
Austin County State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
The following ratios and data are available to help you better understand the financial condition of Austin County State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
As of December 31, 2018, Austin County State Bank had $119,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,122,000 in equity and $2,308,000 in loans loss reserves. That gives it a Texas Ratio of 0.65%.
Austin County State Bank has a Return on Equity of 14.24% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Austin County State Bank has a Capitalization of 9.56% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
As of December 31, 2018, Austin County State Bank had assets of $168,587,000, loans of $110,584,000, and deposits of $149,812,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Is Austin County State Bank FDIC insured?
Yes. It is covered under FDIC Certificate #58484.
Why does Austin County State Bank pay such low interest on savings accounts?
Why are Austin County State Bank CD rates not competitive?
Is Austin County State Bank a commercial bank?
Where are Austin County State Bank locations?
Is Austin County State Bank open on Saturdays?
Is Austin County State Bank open on Sundays?
What time does Austin County State Bank open?
What time does Austin County State Bank close?
Are Austin County State Bank ATMs Open 24/7?
Do Austin County State Bank ATMs accept cash deposits?
Can Austin County State Bank customers use other ATMs?
Do Austin County State Bank branches have notaries?
Will Austin County State Bank notarize my document?
What address for Austin County State Bank should I put for incoming ACH transfers?
Will the Austin County State Bank branch print checks?
Do Austin County State Bank checks expire?
Does Austin County State Bank require US citizenship to open account?
Can Austin County State Bank close my account?
Does Austin County State Bank Report to credit bureaus?
Does Austin County State Bank Use Equifax?
What is Austin County State Bank's ACH Routing Number?
What is Austin County State Bank's SWIFT code?
Does Austin County State Bank offer mortgages?
Does Austin County State Bank offer home equity lines of credit and home equity loans?
Does Austin County State Bank offer personal loans?
Does Austin County State Bank offer student loans?
Will Austin County State Bank cash a check?
Will Austin County State Bank redeem a savings bond?
Does Austin County State Bank cash savings bonds?
Will Austin County State Bank cash money orders?
Can Austin County State Bank issue a money order?
Does Austin County State Bank do currency exchange?
Who owns Austin County State Bank?
How long has Austin County State Bank been around?
Can Austin County State Bank transfer to other banks?
Does Austin County State Bank have quick pay?
Does Austin County State Bank accept rolled coins?
Will Austin County State Bank accept loose change?
Where is Austin County State Bank headquarters?
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Graceway offers many exciting opportunities for teens to grow spiritually. With Sunday School classes for Junior Teens and Senior Teens, there's a place for everyone to get plugged in.
Wednesday Night Bible Study at 7 p.m.
Join your friends and ministry leaders as we study practical truths from the Bible about how to become the man or woman God wants you to be. This is a powerful time of Bible study and Christian growth and is a wonderful complement to our vibrant teen Sunday school classes.
Graceway is a place where teens can make real friends, have real fun, and learn real truths about God that will impact their lives.


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See What's Happening During Your Stay at Our Hotel Near Hard Rock Stadium
No matter what time of year you visit Miami, there's no end to the fun events you can experience. From seasonal festivals and sporting events to holiday celebrations, cultural gatherings and more, it's all just moments from Miami Lakes Hotel and Golf.
Miami International Boat Show
If it floats, you'll find it at this five-day showcase of the best in sailboats, yachts, powerboats and fishing boats. Plus, you can get information on all-new boating technology.
Held at Hard Rock Stadium, the Miami Open is one of the world's largest and most prestigious men's and women's tennis tournaments.
Join more than 100,000 electronic music fans for a two-day, non-stop rave featuring DJs, food and drink.
Coconut Grove Art Festival
This annual, three-day outdoor event celebrates the local fine arts scene. It offers live performances and food from local chefs complementing more than 360 internationally recognized artists. Experience works that span across 15 stunning visual categories.
Capital One Orange Bowl
The 2018 College Football Playoff Semifinal at the Capital One Orange Bowl will be held at Hard Rock Stadium on Saturday, December 29, 2018.
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Enjoy wine tastings, gourmet dinners, seminars, cooking demonstrations and the chance to mingle with celebrity foodies like Emeril Lagasse, Bobby Flay, Rachael Ray, Guy Fieri and more.
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Considered the best North American music festival in jazz, R&B and soul, Jazz in The Gardens features two days of live performances by some of the top names in music.
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Catch high-octane NASCAR stock car racing action at Homestead-Miami Speedway.
One of the most prestigious art shows in the world takes place each December in Miami Beach. See the works of over 2,000 world-renowned modern and contemporary artists, exhibited via top galleries from North America, Europe, Latin America, Asia and Africa.
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