Institution Statistics
| Nelsonville Home and Savings | | FDIC Certificate # | 28085 | | BankRate Report | View | | Year Established | 1888 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $24.22 million | | Loans | $16.40 million | | Deposits | $21.80 million | | Equity Capital | $2.37 million | | Loan Loss Allowance | $79,000 |
Historic Data - March 2011 | | Assets | $20.56 million | | Equity Capital | $2.31 million | | Loan Loss Allowance | $55,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.92% | | Return on Assets | 0.55% | | Return on Equity | 5.41% | | Interest Income | $234,000 |
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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 Nelsonville Home and Savings had $0 in non-current loans and owned real-estate with $2.45 million in equity and loan loss allowances on hand to cover it. This gives Nelsonville Home and Savings a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Nelsonville Home and Savings has increased its total deposits by $3.6 million, resulting in 19.78% 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 Nelsonville Home and Savings 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. Nelsonville Home and Savings has $24.22 million in assets with $2.45 million in equity, resulting in a capitalization level of 10.12%, which is above average. |
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