Institution Statistics
| Profile Bank, FSB | | OTS # | 01007 | | FDIC Certificate # | 28155 | | BankRate Report | View | | Year Established | 1907 | | Employees | 45 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $167.33 million | | Loans | $122.39 million | | Deposits | $143.35 million | | Equity Capital | $22.32 million | | Loan Loss Allowance | $991,000 | | Unbacked Noncurrent Loans | $1.97 million | | Real Estate Owned | $205,000 |
Historic Data - March 2011 | | Assets | $157.06 million | | Equity Capital | $22.02 million | | Loan Loss Allowance | $779,000 | | Unbacked Noncurrent Loans | $2.55 million | | Real Estate Owned | $130,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.97% | | Return on Assets | 0.25% | | Return on Equity | 1.84% | | Interest Income | $1.68 million |
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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 Profile Bank, FSB had $2.17 million in non-current loans and owned real-estate with $23.31 million in equity and loan loss allowances on hand to cover it. This gives Profile Bank, FSB a Texas Ratio of 9.33% 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 Profile Bank, FSB decreased slightly from 11.76% as of March 31, 2011 to 9.33% as of March 31, 2012, resulting in a positive change of 20.68%.This indicates that the balance sheet and financial strength for Profile Bank, FSB has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Profile Bank, FSB has increased its total deposits by $13.07 million, resulting in 10.04% 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 Profile Bank, FSB 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. Profile Bank, FSB has $167.32 million in assets with $23.31 million in equity, resulting in a capitalization level of 13.93%, which is excellent. |
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