Institution Statistics
| United-American Savings Bank | | FDIC Certificate # | 27033 | | BankRate Report | View | | Year Established | 1954 | | Employees | 12 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $72.43 million | | Loans | $51.94 million | | Deposits | $61.48 million | | Equity Capital | $6.50 million | | Loan Loss Allowance | $296,000 | | Unbacked Noncurrent Loans | $1.57 million | | Real Estate Owned | $90,000 |
Historic Data - March 2011 | | Assets | $63.05 million | | Equity Capital | $5.91 million | | Loan Loss Allowance | $250,000 | | Unbacked Noncurrent Loans | $815,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.68% | | Return on Assets | 0.82% | | Return on Equity | 9.13% | | Interest Income | $823,000 |
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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-American Savings Bank had $1.66 million in non-current loans and owned real-estate with $6.8 million in equity and loan loss allowances on hand to cover it. This gives United-American Savings Bank a Texas Ratio of 24.47% 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-American Savings Bank increased slightly from 13.24% as of March 31, 2011 to 24.47% as of March 31, 2012, resulting in a negative change of 84.89%. This indicates that the balance sheet and financial strength for United-American Savings Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, United-American Savings Bank has increased its total deposits by $8.27 million, resulting in 15.54% 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-American Savings Bank 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. United-American Savings Bank has $72.43 million in assets with $6.8 million in equity, resulting in a capitalization level of 9.38%, which is average. |
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