Institution Statistics
| Delanco Federal Savings Bank | | OTS # | 01993 | | FDIC Certificate # | 28631 | | BankRate Report | View | | Year Established | 1890 | | Employees | 25 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $134.46 million | | Loans | $99.58 million | | Deposits | $122.44 million | | Equity Capital | $11.45 million | | Loan Loss Allowance | $1.16 million | | Unbacked Noncurrent Loans | $7.39 million | | Real Estate Owned | $846,000 |
Historic Data - March 2011 | | Assets | $136.28 million | | Equity Capital | $11.94 million | | Loan Loss Allowance | $784,000 | | Unbacked Noncurrent Loans | $4.90 million | | Real Estate Owned | $771,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.48% | | Return on Assets | -0.48% | | Return on Equity | -5.62% | | Interest Income | $1.41 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 March 31, 2012 Delanco Federal Savings Bank had $8.24 million in non-current loans and owned real-estate with $12.61 million in equity and loan loss allowances on hand to cover it. This gives Delanco Federal Savings Bank a Texas Ratio of 65.33% 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 Delanco Federal Savings Bank increased slightly from 44.59% as of March 31, 2011 to 65.33% as of March 31, 2012, resulting in a negative change of 46.51%. This indicates that the balance sheet and financial strength for Delanco Federal Savings Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, Delanco Federal Savings Bank has increased its total deposits by $808,000, resulting in 0.66% 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 Delanco Federal Savings Bank has shown is 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. Delanco Federal Savings Bank has $134.46 million in assets with $12.61 million in equity, resulting in a capitalization level of 9.38%, which is average. |
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