Institution Statistics
| Rondout Savings Bank | | FDIC Certificate # | 15969 | | BankRate Report | View | | Year Established | 1868 | | Employees | 62 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $240.53 million | | Loans | $167.00 million | | Deposits | $204.48 million | | Equity Capital | $28.91 million | | Loan Loss Allowance | $1.87 million | | Unbacked Noncurrent Loans | $3.34 million | | Real Estate Owned | $781,000 |
Historic Data - March 2011 | | Assets | $229.50 million | | Equity Capital | $27.76 million | | Loan Loss Allowance | $1.60 million | | Unbacked Noncurrent Loans | $2.60 million | | Real Estate Owned | $51,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.06% | | Return on Assets | 0.74% | | Return on Equity | 6.15% | | Interest Income | $2.60 million |
|
|
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 Rondout Savings Bank had $4.12 million in non-current loans and owned real-estate with $30.78 million in equity and loan loss allowances on hand to cover it. This gives Rondout Savings Bank a Texas Ratio of 13.39% 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 Rondout Savings Bank held steady from 9.02% as of March 31, 2011 to 13.39% as of March 31, 2012, resulting in a negative change of 48.49%. This indicates that the balance sheet and financial strength for Rondout Savings Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Rondout Savings Bank has increased its total deposits by $7.43 million, resulting in 3.77% 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 Rondout Savings Bank has shown is above 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. Rondout Savings Bank has $240.53 million in assets with $30.78 million in equity, resulting in a capitalization level of 12.80%, which is excellent. |
|
Average User Rating:
West Hurley Branch
This bank scores very well in the slowest speed ,and tellers who cant find your account and must always have a license to verify and after using the window hoping speed would be better ah no on three occasions had to stop go back inside to return the over payment given to me..
someone needs to over see this branch and act like a customer for what it is worth i refuse to go back and guess i have to drive back to ULSTER AVENUE driving there is a pain but the service is impeccable and the staff have been pretty efficient and at least this branch manager works the lines and is around the employees to help them out she does it very gently to....thanks Hurley for making me use more gas to travel...if i ran these banks id close Hurley and open in the middle of saugerties..now thats an idea