Institution Statistics
| Central Federal Savings and Loan Association of Rolla | | OTS # | 05710 | | FDIC Certificate # | 30664 | | BankRate Report | View | | Year Established | 1952 | | Employees | 16 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $64.45 million | | Loans | $54.48 million | | Deposits | $51.34 million | | Equity Capital | $13.04 million | | Loan Loss Allowance | $232,000 | | Unbacked Noncurrent Loans | $180,000 | | Real Estate Owned | $1.40 million |
Historic Data - December 2010 | | Assets | $61.24 million | | Equity Capital | $12.85 million | | Loan Loss Allowance | $244,000 | | Unbacked Noncurrent Loans | $928,000 | | Real Estate Owned | $332,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.85% | | Return on Assets | 0.3% | | Return on Equity | 1.46% | | Interest Income | $3.06 million |
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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 December 31, 2011 Central Federal Savings and Loan Association of Rolla had $1.58 million in non-current loans and owned real-estate with $13.27 million in equity and loan loss allowances on hand to cover it. This gives Central Federal Savings and Loan Association of Rolla a Texas Ratio of 11.90% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Central Federal Savings and Loan Association of Rolla held steady from 9.62% as of December 31, 2010 to 11.90% as of December 31, 2011, resulting in a negative change of 23.66%. This indicates that the balance sheet and financial strength for Central Federal Savings and Loan Association of Rolla has held steady in recent periods. | | Deposit Growth |  | | In the past year, Central Federal Savings and Loan Association of Rolla has increased its total deposits by $3.08 million, resulting in 6.39% 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 Central Federal Savings and Loan Association of Rolla 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. Central Federal Savings and Loan Association of Rolla has $64.45 million in assets with $13.27 million in equity, resulting in a capitalization level of 20.59%, which is excellent. |
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