Institution Statistics
| Flatbush Federal Savings and Loan Association | | OTS # | 03444 | | FDIC Certificate # | 29435 | | BankRate Report | View | | Year Established | 1889 | | Employees | 34 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $145.49 million | | Loans | $90.50 million | | Deposits | $119.30 million | | Equity Capital | $18.69 million | | Loan Loss Allowance | $1.07 million | | Unbacked Noncurrent Loans | $6.08 million | | Real Estate Owned | $1.20 million |
Historic Data - March 2011 | | Assets | $144.95 million | | Equity Capital | $15.00 million | | Loan Loss Allowance | $838,000 | | Unbacked Noncurrent Loans | $7.71 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.7% | | Return on Assets | 13.39% | | Return on Equity | 118.99% | | Interest Income | $1.56 million |
|
|
Institution Health
Overall Score:
4 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 Flatbush Federal S&L had $7.27 million in non-current loans and owned real-estate with $19.76 million in equity and loan loss allowances on hand to cover it. This gives Flatbush Federal S&L a Texas Ratio of 36.80% 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 Flatbush Federal S&L decreased slightly from 48.69% as of March 31, 2011 to 36.80% as of March 31, 2012, resulting in a positive change of 24.42%.This indicates that the balance sheet and financial strength for Flatbush Federal S&L has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Flatbush Federal S&L has increased its total deposits by $1.72 million, resulting in 1.47% 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 Flatbush Federal S&L has shown is above 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. Flatbush Federal S&L has $145.49 million in assets with $19.76 million in equity, resulting in a capitalization level of 13.58%, which is excellent. |
|
