Institution Statistics
| Lawrenceburg Federal Bank | | OTS # | 03067 | | FDIC Certificate # | 29186 | | BankRate Report | View | | Year Established | 1934 | | Employees | 13 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $48.80 million | | Loans | $41.03 million | | Deposits | $36.16 million | | Equity Capital | $11.64 million | | Loan Loss Allowance | $165,000 | | Unbacked Noncurrent Loans | $646,000 | | Real Estate Owned | $340,000 |
Historic Data - March 2011 | | Assets | $47.31 million | | Equity Capital | $11.02 million | | Loan Loss Allowance | $145,000 | | Unbacked Noncurrent Loans | $686,000 | | Real Estate Owned | $197,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.05% | | Return on Assets | 1.42% | | Return on Equity | 6% | | Interest Income | $642,000 |
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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 March 31, 2012 Lawrenceburg Federal Bank had $986,000 in non-current loans and owned real-estate with $11.81 million in equity and loan loss allowances on hand to cover it. This gives Lawrenceburg Federal Bank a Texas Ratio of 8.35% 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 Lawrenceburg Federal Bank held steady from 7.91% as of March 31, 2011 to 8.35% as of March 31, 2012, resulting in a negative change of 5.57%. This indicates that the balance sheet and financial strength for Lawrenceburg Federal Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Lawrenceburg Federal Bank has increased its total deposits by $861,000, resulting in 2.44% 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 Lawrenceburg Federal Bank 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. Lawrenceburg Federal Bank has $48.8 million in assets with $11.81 million in equity, resulting in a capitalization level of 24.20%, which is excellent. |
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