Institution Statistics
| Paper City Savings Association | | OTS # | 03871 | | FDIC Certificate # | 29676 | | BankRate Report | View | | Year Established | 1933 | | Employees | 38 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $158.88 million | | Loans | $123.65 million | | Deposits | $142.94 million | | Equity Capital | $14.95 million | | Loan Loss Allowance | $654,000 | | Unbacked Noncurrent Loans | $2.24 million | | Real Estate Owned | $85,000 |
Historic Data - March 2011 | | Assets | $156.73 million | | Equity Capital | $14.02 million | | Loan Loss Allowance | $518,000 | | Unbacked Noncurrent Loans | $1.64 million | | Real Estate Owned | $858,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.13% | | Return on Assets | 0.78% | | Return on Equity | 8.3% | | Interest Income | $1.58 million |
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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 Paper City Savings Association had $2.33 million in non-current loans and owned real-estate with $15.6 million in equity and loan loss allowances on hand to cover it. This gives Paper City Savings Association a Texas Ratio of 14.91% 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 Paper City Savings Association held steady from 17.16% as of March 31, 2011 to 14.91% as of March 31, 2012, resulting in a positive change of 13.09%.This indicates that the balance sheet and financial strength for Paper City Savings Association has held steady in recent periods. | | Deposit Growth | | | In the past year, Paper City Savings Association has increased its total deposits by $1.16 million, resulting in 0.82% 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 Paper City Savings Association 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. Paper City Savings Association has $158.88 million in assets with $15.6 million in equity, resulting in a capitalization level of 9.82%, which is average. |
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