Institution Statistics
| Saehan Bank | | FDIC Certificate # | 33435 | | BankRate Report | View | | Year Established | 1991 | | Employees | 129 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $601.78 million | | Loans | $342.82 million | | Deposits | $516.90 million | | Equity Capital | $78.23 million | | Loan Loss Allowance | $16.91 million | | Unbacked Noncurrent Loans | $11.46 million | | Real Estate Owned | $4.49 million |
Historic Data - March 2011 | | Assets | $578.91 million | | Equity Capital | $65.80 million | | Loan Loss Allowance | $23.95 million | | Unbacked Noncurrent Loans | $32.07 million | | Real Estate Owned | $6.40 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.98% | | Return on Assets | 0.19% | | Return on Equity | 1.4% | | Interest Income | $5.65 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 Saehan Bank had $15.95 million in non-current loans and owned real-estate with $95.13 million in equity and loan loss allowances on hand to cover it. This gives Saehan Bank a Texas Ratio of 16.76% 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 Saehan Bank decreased significantly from 42.86% as of March 31, 2011 to 16.76% as of March 31, 2012, resulting in a positive change of 60.89%.This indicates that the balance sheet and financial strength for Saehan Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Saehan Bank has increased its total deposits by $18.48 million, resulting in 3.71% 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 Saehan 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. Saehan Bank has $601.78 million in assets with $95.13 million in equity, resulting in a capitalization level of 15.81%, which is excellent. |
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