Mutual Savings Association, FSA
Mutual Savings Association, FSA is headquartered in Leavenworth and is the 66th largest bank in the state of Kansas. It is also the 2,970th largest bank in the nation. It was established in 1888 and as of December of 2013, it had grown to 46 employees at 6 locations. Mutual Savings Association, FSA has a B health rating.
Data for Q4 2013
Institution Health
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, 2013 Mutual Savings Association, FSA had $12.68 million in non-current loans and owned real-estate with $57.98 million in equity and loan loss allowances on hand to cover it. This gives Mutual Savings Association, FSA a Texas Ratio of 21.87% 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 Mutual Savings Association, FSA experienced no significant changes from 23.81% as of December 31, 2012 to 21.87% as of December 31, 2013, resulting in a positive change of 8.14%.This indicates that the balance sheet and financial strength for Mutual Savings Association, FSA has had no significant changes in recent periods.
Deposit Growth
In the past year, Mutual Savings Association, FSA has decreased its total deposits by -$6.65 million, resulting in -4.29% 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 Mutual Savings Association, FSA 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. Mutual Savings Association, FSA has $206.49 million in assets with $57.98 million in equity, resulting in a capitalization level of 28.08%, which is excellent.
Institution Statistics
| Overall | |
|---|---|
| FDIC Certificate # | 29988 |
| Year Established | 1888 |
| Employees | 46 |
| Primary Regulator | OCC |
| Assets and Liabilities | |
|---|---|
| Assets | $206.49 million |
| Loans | $106.64 million |
| Deposits | $148.41 million |
| Equity Capital | $56.24 million |
| Loan Loss Allowance | $1.75 million |
| Unbacked Noncurrent Loans | $7.63 million |
| Real Estate Owned | $5.05 million |
| Historic Data - December 2012 | |
|---|---|
| Assets | $213.97 million |
| Equity Capital | $54.79 million |
| Loan Loss Allowance | $1.27 million |
| Unbacked Noncurrent Loans | $7.63 million |
| Real Estate Owned | $2.07 million |
| Profit Margin - Quarterly | |
|---|---|
| Net Interest Margin | 3.55% |
| Return on Assets | 0.55% |
| Return on Equity | 2.07% |
| Interest Income | $8.40 million |
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Mutual Savings Association, FSA Savings Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.15% | $25k | - | Liquidity Manager Savings Account |
Mutual Savings Association, FSA Checking Account Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 0.05% | - | - | Senior Preferred Checking Account |
Mutual Savings Association, FSA CD Rates
| Details | APY | MIN | MAX | PRODUCT |
|---|---|---|---|---|
| 1.00% | $1k | - | 5 Year CD | |
| 0.50% | $1k | - | 3 Year CD | |
| 0.40% | $1k | - | 4 Year CD with Rate Protection | |
| 0.35% | $1k | - | 2 Year CD | |
| 0.25% | $1k | - | 1 Year CD | |
| 0.20% | $2k | - | 182 Day CD | |
| 0.10% | $2k | - | 91 Day CD |
| Mutual Savings Association, FSA Locations | ||
|---|---|---|
| Mutual Savings Association, FSA | 100 South 4th St | Leavenworth, KS 66048 |
| Bonner Springs Branch | 229 Oak | Bonner Springs, KS 66012 |
| Leavenworth Plaza Shopping Center Br | 3400 South Fourth Street | Leavenworth, KS 66048 |
| 403 East 4th Street Branch | 403 East 4th Street | Tonganoxie, KS 66086 |
| 515 Delaware Branch | 515 Delaware | Oskaloosa, KS 66066 |
| 8th & Main Branch | 801 Main | Eudora, KS 66025 |