Institution Statistics
| Bay-Vanguard Federal Savings Bank | | OTS # | 06386 | | FDIC Certificate # | 32527 | | BankRate Report | View | | Year Established | 1873 | | Employees | 34 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $147.27 million | | Loans | $102.93 million | | Deposits | $130.82 million | | Equity Capital | $14.06 million | | Loan Loss Allowance | $1.22 million | | Unbacked Noncurrent Loans | $2.42 million | | Real Estate Owned | $765,000 |
Historic Data - December 2010 | | Assets | $149.58 million | | Equity Capital | $13.05 million | | Loan Loss Allowance | $1.07 million | | Unbacked Noncurrent Loans | $3.72 million | | Real Estate Owned | $158,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.24% | | Return on Assets | 0.68% | | Return on Equity | 7.31% | | Interest Income | $6.85 million |
|
|
Institution Health
Overall Score:
3 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 December 31, 2011 Bay-Vanguard Federal Savings Bank had $3.18 million in non-current loans and owned real-estate with $15.28 million in equity and loan loss allowances on hand to cover it. This gives Bay-Vanguard Federal Savings Bank a Texas Ratio of 20.84% 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 Bay-Vanguard Federal Savings Bank decreased slightly from 27.50% as of December 31, 2010 to 20.84% as of December 31, 2011, resulting in a positive change of 24.23%.This indicates that the balance sheet and financial strength for Bay-Vanguard Federal Savings Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Bay-Vanguard Federal Savings Bank has decreased its total deposits by -$3.4 million, resulting in -2.54% 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 Bay-Vanguard Federal Savings Bank has shown is below 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. Bay-Vanguard Federal Savings Bank has $147.27 million in assets with $15.28 million in equity, resulting in a capitalization level of 10.37%, which is above average. |
|
