Queensland is Australia's bankruptcy capital. It was the only state or territory to record an increase in bankruptcy numbers in the 2011/12 financial year, and its ratio of bankrupts to the general population, at one to 356, is much higher than anywhere else in the country.Figures released yesterday by Insolvency Trustee Service Australia provide a breakdown of 2011/12 bankruptcy data by postcode. In absolute terms, New South Wales had the largest number of bankrupts, but its frequency of bankrupts (the ratio of bankrupts to the population) is lower than Queensland's.In Queensland, the postcodes with the highest number of bankrupts were 4211, which is in Nerang, in the Gold Coast hinterland; 4209 (Coomera, north of Nerang); and 4217 (in the heart of the Gold Coast).The highest frequency of bankrupts in Queensland was in the 4354 postcode (Goombungee, in the Toowoomba district); 4569 (Cooran, in the Sunshine Coast hinterland); and 4517 (Beerburrum, which is half way between Brisbane and the Sunshine Coast).The bankruptcy ratio in Goombungee was one to 172 people, compared with one to 356 for the state. The number of bankrupts in Queensland rose two per cent in 2011/12.In New South Wales, the postcodes with the highest number of bankrupts were 2770 (the Mount Druitt area of western Sydney); 2170 (which is around Liverpool in south-west Sydney); and 2560 (which is around Campbelltown in outer south-west Sydney).The highest frequency of bankrupts in New South Wales was in 2555 (Badgery's Creek in outer Sydney); 2399 (the town of Biniguy, near Moree in the north-west of the state); and 2488 (in the Tweed district of the state's north coast).The bankruptcy ratio in Badgery's Creek was one to 114, compared with one to 877 for the New South Wales. The number of bankrupts in NSW fell 5.3 per cent in 2011/12.In Victoria, the postcodes with the highest number of bankrupts were 3977 (Cranbourne, south-east of Melbourne); 3199 (Frankston, also to the south-east of Melbourne); and 3350 (Ballarat, in regional Victoria).The highest frequency of bankrupts in Victoria was in 3026 (Laverton, in Melbourne's south-west); 3720 (Bonnie Doon, which is half way between Melbourne and Albury); and 3750 (Wollert, in Melbourne's outer north).The bankruptcy ratio in Laverton was one to 30, compared with one to 1234 for Victoria. The number of bankrupts in Victoria fell 6.6 per cent in 2011/12.In the other states and territories, the ratio of bankrupts to the general population in Western Australia was one to 1351. The number of bankrupts in Western Australia fell 6.4 per cent.The bankruptcy ratio in South Australia was one to 1007. The number of bankrupts in the state fell 4.5 per cent.The bankruptcy ratio in Tasmania was one to 689. The number of bankrupts in the state fell 2.3 per cent.The bankruptcy ratio in the Australian Capital Territory was one to 2092. The number of bankrupts in the ACT fell 10.1 per cent.