Institution Statistics
| Llewellyn-Edison Savings Bank, FSB | | OTS # | 02054 | | FDIC Certificate # | 28655 | | BankRate Report | View | | Year Established | 1912 | | Employees | 23 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $133.40 million | | Loans | $52.57 million | | Deposits | $104.70 million | | Equity Capital | $22.54 million | | Loan Loss Allowance | $469,000 | | Unbacked Noncurrent Loans | $3.37 million |
Historic Data - March 2011 | | Assets | $136.00 million | | Equity Capital | $22.00 million | | Loan Loss Allowance | $469,000 | | Unbacked Noncurrent Loans | $1.90 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.09% | | Return on Assets | 0.28% | | Return on Equity | 1.65% | | Interest Income | $1.25 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 March 31, 2012 Llewellyn-Edison Savings Bank, FSB had $3.37 million in non-current loans and owned real-estate with $23.01 million in equity and loan loss allowances on hand to cover it. This gives Llewellyn-Edison Savings Bank, FSB a Texas Ratio of 14.65% 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 Llewellyn-Edison Savings Bank, FSB increased slightly from 8.44% as of March 31, 2011 to 14.65% as of March 31, 2012, resulting in a negative change of 73.54%. This indicates that the balance sheet and financial strength for Llewellyn-Edison Savings Bank, FSB has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Llewellyn-Edison Savings Bank, FSB has increased its total deposits by $2.05 million, resulting in 1.99% 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 Llewellyn-Edison Savings Bank, FSB 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. Llewellyn-Edison Savings Bank, FSB has $133.4 million in assets with $23.01 million in equity, resulting in a capitalization level of 17.25%, which is excellent. |
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