Institution Statistics
| Miami Savings Bank | | OTS # | 08104 | | FDIC Certificate # | 32293 | | BankRate Report | View | | Year Established | 1909 | | Employees | 24 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $113.35 million | | Loans | $82.92 million | | Deposits | $98.92 million | | Equity Capital | $13.92 million | | Loan Loss Allowance | $901,000 | | Unbacked Noncurrent Loans | $1.59 million | | Real Estate Owned | $892,000 |
Historic Data - March 2011 | | Assets | $116.34 million | | Equity Capital | $13.37 million | | Loan Loss Allowance | $802,000 | | Unbacked Noncurrent Loans | $730,000 | | Real Estate Owned | $983,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.12% | | Return on Assets | 0.49% | | Return on Equity | 4.01% | | Interest Income | $1.11 million |
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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 Miami Savings Bank had $2.48 million in non-current loans and owned real-estate with $14.82 million in equity and loan loss allowances on hand to cover it. This gives Miami Savings Bank a Texas Ratio of 16.72% 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 Miami Savings Bank held steady from 12.09% as of March 31, 2011 to 16.72% as of March 31, 2012, resulting in a negative change of 38.33%. This indicates that the balance sheet and financial strength for Miami Savings Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Miami Savings Bank has decreased its total deposits by -$3.54 million, resulting in -3.46% 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 Miami 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. Miami Savings Bank has $113.35 million in assets with $14.82 million in equity, resulting in a capitalization level of 13.08%, which is excellent. |
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