Institution Statistics
| FOCUS | | NCUA # | 67443 | | BankRate Report | View | | Year Chartered | 1991 | | Employees | 37 | | Primary Regulator | |
Assets and Liabilities | | Assets | $119.61 million | | Loans | $76.83 million | | Deposits | $108.43 million | | Equity Capital | $10.34 million | | Loan Loss Allowance | $734,000 | | Unbacked Noncurrent Loans | $915,000 | | Real Estate Owned | $106,000 |
Historic Data - December 2010 | | Assets | $116.63 million | | Equity Capital | $9.94 million | | Loan Loss Allowance | $479,000 | | Unbacked Noncurrent Loans | $368,000 | | Real Estate Owned | $91,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.72% | | Return on Assets | 0.29% | | Return on Equity | 3.33% | | Interest Income | $4.77 million | | Non-Interest Income | $1.87 million |
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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 December 31, 2011 Focus (FL) had $1.02 million in non-current loans and owned real-estate with $11.08 million in equity and loan loss allowances on hand to cover it. This gives Focus (FL) a Texas Ratio of 9.22% 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 Focus (FL) held steady from 4.40% as of December 31, 2010 to 9.22% as of December 31, 2011, resulting in a negative change of 109.29%. This indicates that the balance sheet and financial strength for Focus (FL) has held steady in recent periods. | | Deposit Growth | | | In the past year, Focus (FL) has increased its total deposits by $2.66 million, resulting in 2.51% 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 Focus (FL) 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. Focus (FL) has $119.61 million in assets with $11.08 million in equity, resulting in a capitalization level of 9.26%, which is average. |
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