Institution Statistics
| New Foundation Savings Bank | | OTS # | 08122 | | FDIC Certificate # | 32306 | | BankRate Report | View | | Year Established | 1891 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $21.46 million | | Loans | $14.08 million | | Deposits | $17.39 million | | Equity Capital | $1.69 million | | Loan Loss Allowance | $115,000 | | Real Estate Owned | $280,000 |
Historic Data - March 2011 | | Assets | $18.22 million | | Equity Capital | $1.68 million | | Loan Loss Allowance | $111,000 | | Unbacked Noncurrent Loans | $266,000 | | Real Estate Owned | $199,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.97% | | Return on Assets | 0.15% | | Return on Equity | 1.89% | | Interest Income | $205,000 |
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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 New Foundation Savings Bank had $280,000 in non-current loans and owned real-estate with $1.81 million in equity and loan loss allowances on hand to cover it. This gives New Foundation Savings Bank a Texas Ratio of 15.50% 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 New Foundation Savings Bank decreased significantly from 26.01% as of March 31, 2011 to 15.50% as of March 31, 2012, resulting in a positive change of 40.42%.This indicates that the balance sheet and financial strength for New Foundation Savings Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, New Foundation Savings Bank has increased its total deposits by $2.57 million, resulting in 17.31% 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 New Foundation 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. New Foundation Savings Bank has $21.46 million in assets with $1.81 million in equity, resulting in a capitalization level of 8.42%, which is average. |
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