Institution Statistics
| Malvern Trust & Savings Bank | | FDIC Certificate # | 14230 | | BankRate Report | View | | Year Established | 1892 | | Employees | 11 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $63.79 million | | Loans | $46.69 million | | Deposits | $57.49 million | | Equity Capital | $6.08 million | | Loan Loss Allowance | $499,000 | | Unbacked Noncurrent Loans | $42,000 | | Real Estate Owned | $308,000 |
Historic Data - March 2011 | | Assets | $57.14 million | | Equity Capital | $5.54 million | | Loan Loss Allowance | $517,000 | | Unbacked Noncurrent Loans | $235,000 | | Real Estate Owned | $333,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.98% | | Return on Assets | 1.5% | | Return on Equity | 15.42% | | Interest Income | $647,000 |
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Institution Health
Overall Score:
5 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 Malvern Trust & Savings Bank had $350,000 in non-current loans and owned real-estate with $6.58 million in equity and loan loss allowances on hand to cover it. This gives Malvern Trust & Savings Bank a Texas Ratio of 5.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Malvern Trust & Savings Bank decreased significantly from 9.38% as of March 31, 2011 to 5.32% as of March 31, 2012, resulting in a positive change of 43.26%.This indicates that the balance sheet and financial strength for Malvern Trust & Savings Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Malvern Trust & Savings Bank has increased its total deposits by $6.08 million, resulting in 11.83% 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 Malvern Trust & Savings Bank has shown is excellent. | | 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. Malvern Trust & Savings Bank has $63.79 million in assets with $6.58 million in equity, resulting in a capitalization level of 10.31%, which is above average. |
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