![]() The higher the capitalization number the more secure a bank is considered. United Orient Bank has a Capitalization of 13% versus the BestCashCow average of 10.43.Ĭapitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. A bank with a consistently high ROE can be considered well run.Ī bank with a consistently low ROE can be considered poorly run. Return on equity measures how efficiently a bank is making money from its capital. United Orient Bank has a Return on Equity of 3.02% versus the BestCashCow average of 13.18%. The best two-year CD rates pay far more than the national average of 1.47 percent APY, according to Bankrates national index survey of banks and thrifts on Dec. ![]() To cover these potential losses it had $13,015,000 in equity and $1,082,000 in loans loss reserves. United Orient Bank had $1,281,000 in non-current loans and $0 in owned real estate. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank With its tangible common equity and its loan loss reserves.Ī lower Texas ratio indicates better coverage of problem loans. The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) No depositor has ever lost deposits that have been within the FDIC insurance limits. The following ratios and data are available to help you better understand the financial condition of United Orient Bank. Use the calculator to determine how much more you can earn over a timeframe by moving your money into a high-yield savings account or a CD.
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