Institution Statistics
| United Southern Bank | | FDIC Certificate # | 15465 | | BankRate Report | View | | Year Established | 1937 | | Employees | 131 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $385.10 million | | Loans | $273.38 million | | Deposits | $339.32 million | | Equity Capital | $39.89 million | | Loan Loss Allowance | $7.32 million | | Unbacked Noncurrent Loans | $7.86 million | | Real Estate Owned | $6.29 million |
Historic Data - March 2011 | | Assets | $403.67 million | | Equity Capital | $38.28 million | | Loan Loss Allowance | $7.50 million | | Unbacked Noncurrent Loans | $6.05 million | | Real Estate Owned | $7.59 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.42% | | Return on Assets | 0.32% | | Return on Equity | 3.07% | | Interest Income | $4.22 million |
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Institution Health
Overall Score:
3 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 United Southern Bank (FL) had $14.14 million in non-current loans and owned real-estate with $47.21 million in equity and loan loss allowances on hand to cover it. This gives United Southern Bank (FL) a Texas Ratio of 29.96% 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 United Southern Bank (FL) held steady from 29.78% as of March 31, 2011 to 29.96% as of March 31, 2012, resulting in a negative change of 0.59%. This indicates that the balance sheet and financial strength for United Southern Bank (FL) has held steady in recent periods. | | Deposit Growth |  | | In the past year, United Southern Bank (FL) has decreased its total deposits by -$8.77 million, resulting in -2.52% 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 United Southern Bank (FL) has shown is below 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. United Southern Bank (FL) has $385.1 million in assets with $47.21 million in equity, resulting in a capitalization level of 12.26%, which is excellent. |
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