Institution Statistics
| One South Bank | | OTS # | 18099 | | FDIC Certificate # | 58811 | | BankRate Report | View | | Year Established | 2008 | | Employees | 8 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $32.69 million | | Loans | $20.03 million | | Deposits | $27.13 million | | Equity Capital | $5.50 million | | Loan Loss Allowance | $212,000 |
Historic Data - March 2011 | | Assets | $24.95 million | | Equity Capital | $5.76 million | | Loan Loss Allowance | $160,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.69% | | Return on Assets | -0.38% | | Return on Equity | -2.17% | | Interest Income | $333,000 |
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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 One South Bank had $0 in non-current loans and owned real-estate with $5.72 million in equity and loan loss allowances on hand to cover it. This gives One South Bank 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, One South Bank has increased its total deposits by $7.99 million, resulting in 41.73% 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 One South 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. One South Bank has $32.69 million in assets with $5.72 million in equity, resulting in a capitalization level of 17.48%, which is excellent. |
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