Institution Statistics
| Flora Savings Bank | | FDIC Certificate # | 27685 | | BankRate Report | View | | Year Established | 1904 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $30.17 million | | Loans | $20.75 million | | Deposits | $27.25 million | | Equity Capital | $2.88 million | | Loan Loss Allowance | $166,000 | | Unbacked Noncurrent Loans | $757,000 | | Real Estate Owned | $80,000 |
Historic Data - March 2011 | | Assets | $30.75 million | | Equity Capital | $3.09 million | | Loan Loss Allowance | $189,000 | | Unbacked Noncurrent Loans | $1.23 million | | Real Estate Owned | $42,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.97% | | Return on Assets | 0.24% | | Return on Equity | 2.51% | | Interest Income | $337,000 |
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Institution Health
Overall Score:
3 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 Flora Savings Bank had $837,000 in non-current loans and owned real-estate with $3.04 million in equity and loan loss allowances on hand to cover it. This gives Flora Savings Bank a Texas Ratio of 27.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Flora Savings Bank decreased slightly from 38.68% as of March 31, 2011 to 27.49% as of March 31, 2012, resulting in a positive change of 28.94%.This indicates that the balance sheet and financial strength for Flora Savings Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Flora Savings Bank has decreased its total deposits by $-357,000, resulting in -1.29% 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 Flora 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. Flora Savings Bank has $30.17 million in assets with $3.04 million in equity, resulting in a capitalization level of 10.09%, which is above average. |
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