Institution Statistics
| Natick Federal Savings Bank | | OTS # | 01463 | | FDIC Certificate # | 28373 | | BankRate Report | View | | Year Established | 1886 | | Employees | 21 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $156.84 million | | Loans | $66.75 million | | Deposits | $137.75 million | | Equity Capital | $14.34 million | | Loan Loss Allowance | $160,000 | | Unbacked Noncurrent Loans | $1.52 million | | Real Estate Owned | $252,000 |
Historic Data - March 2011 | | Assets | $158.98 million | | Equity Capital | $14.36 million | | Loan Loss Allowance | $186,000 | | Unbacked Noncurrent Loans | $1.31 million | | Real Estate Owned | $338,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2% | | Return on Assets | -0.06% | | Return on Equity | -0.64% | | Interest Income | $1.08 million |
|
|
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 Natick Federal Savings Bank had $1.77 million in non-current loans and owned real-estate with $14.5 million in equity and loan loss allowances on hand to cover it. This gives Natick Federal Savings Bank a Texas Ratio of 12.21% 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 Natick Federal Savings Bank held steady from 11.31% as of March 31, 2011 to 12.21% as of March 31, 2012, resulting in a negative change of 7.97%. This indicates that the balance sheet and financial strength for Natick Federal Savings Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Natick Federal Savings Bank has decreased its total deposits by $-898,000, resulting in -0.65% 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 Natick Federal Savings Bank has shown is 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. Natick Federal Savings Bank has $156.84 million in assets with $14.5 million in equity, resulting in a capitalization level of 9.25%, which is average. |
|
