Cincinnati Federal Savings and Loan Association

Cincinnati Federal Savings and Loan Association is headquartered in Cincinnati and is the 138^th largest bank in the state of Ohio. It is also the 4,606^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 27 employees at 5 locations. Cincinnati Federal Savings and Loan Association has a 4-star health rating.

Cincinnati Federal Savings and Loan Association Checking Account Rates

Cincinnati Federal Savings and Loan Association Savings Account Rates

Cincinnati Federal Savings and Loan Association Money Market Rates

Cincinnati Federal Savings and Loan Association CD Rates

Cincinnati Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Cincinnati Federal Savings and Loan Association OTS # 01409 FDIC Certificate # 28346 BankRate Report View Year Established 1922 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $114.03 million Loans $97.26 million Deposits $85.22 million Equity Capital $10.93 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $891,000 Real Estate Owned $335,000 Historic Data - March 2011 Assets $109.91 million Equity Capital $10.22 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $901,000 Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.36% Return on Equity 3.71% Interest Income $1.31 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 Cincinnati Federal Savings and Loan Association had $1.23 million in non-current loans and owned real-estate with $12.09 million in equity and loan loss allowances on hand to cover it. This gives Cincinnati Federal Savings and Loan Association a Texas Ratio of 10.14% 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 Cincinnati Federal Savings and Loan Association decreased significantly from 18.94% as of March 31, 2011 to 10.14% as of March 31, 2012, resulting in a positive change of 46.45%.This indicates that the balance sheet and financial strength for Cincinnati Federal Savings and Loan Association has improved significantly in recent periods. Deposit Growth In the past year, Cincinnati Federal Savings and Loan Association has increased its total deposits by $2.76 million, resulting in 3.35% 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 Cincinnati Federal Savings and Loan Association 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. Cincinnati Federal Savings and Loan Association has $114.03 million in assets with $12.09 million in equity, resulting in a capitalization level of 10.60%, which is above average.

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