Institution Statistics
| First Associations Bank | | FDIC Certificate # | 58453 | | BankRate Report | View | | Year Established | 2007 | | Employees | 13 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $366.38 million | | Loans | $12.49 million | | Deposits | $319.22 million | | Equity Capital | $41.63 million | | Loan Loss Allowance | $168,000 |
Historic Data - March 2011 | | Assets | $298.36 million | | Equity Capital | $34.35 million | | Loan Loss Allowance | $92,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.83% | | Return on Assets | 1.77% | | Return on Equity | 14.52% | | Interest Income | $2.59 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 March 31, 2012 First Associations Bank had $0 in non-current loans and owned real-estate with $41.8 million in equity and loan loss allowances on hand to cover it. This gives First Associations Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, First Associations Bank has increased its total deposits by $57.02 million, resulting in 21.75% 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 First Associations Bank 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. First Associations Bank has $366.38 million in assets with $41.8 million in equity, resulting in a capitalization level of 11.41%, which is above average. |
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