Institution Statistics
| Buffalo Savings Bank | | FDIC Certificate # | 219 | | BankRate Report | View | | Year Established | 1909 | | Employees | 10 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $34.94 million | | Loans | $15.44 million | | Deposits | $31.34 million | | Equity Capital | $3.41 million | | Loan Loss Allowance | $392,000 | | Unbacked Noncurrent Loans | $42,000 | | Real Estate Owned | $1.64 million |
Historic Data - December 2010 | | Assets | $36.07 million | | Equity Capital | $3.41 million | | Loan Loss Allowance | $867,000 | | Unbacked Noncurrent Loans | $671,000 | | Real Estate Owned | $843,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.13% | | Return on Assets | -0.33% | | Return on Equity | -3.47% | | Interest Income | $1.32 million |
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Institution Health
Overall Score:
2 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 Buffalo Savings Bank had $1.68 million in non-current loans and owned real-estate with $3.81 million in equity and loan loss allowances on hand to cover it. This gives Buffalo Savings Bank a Texas Ratio of 44.17% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Buffalo Savings Bank increased slightly from 35.43% as of December 31, 2010 to 44.17% as of December 31, 2011, resulting in a negative change of 24.65%. This indicates that the balance sheet and financial strength for Buffalo Savings Bank has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Buffalo Savings Bank has decreased its total deposits by -$1.12 million, resulting in -3.45% 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 Buffalo 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. Buffalo Savings Bank has $34.94 million in assets with $3.81 million in equity, resulting in a capitalization level of 10.89%, which is above average. |
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