Dearborn Federal Savings Bank

Dearborn Federal Savings Bank is headquartered in Dearborn and is the 43^rd largest bank in the state of Michigan. It is also the 2,445^th largest bank in the nation. It was established in 1936 and as of March of 2012, it had grown to 41 employees at 5 locations. Dearborn Federal Savings Bank has a 4-star health rating.

Dearborn Federal Savings Bank Routing Number: 272471182

Data for Q1 2012

Institution Statistics Dearborn Federal Savings Bank OTS # 04241 FDIC Certificate # 29874 BankRate Report View Year Established 1936 Employees 41 Primary Regulator OCC Assets and Liabilities Assets $263.99 million Loans $199.48 million Deposits $196.26 million Equity Capital $64.25 million Loan Loss Allowance $8.30 million Unbacked Noncurrent Loans $6.07 million Historic Data - March 2011 Assets $265.60 million Equity Capital $63.83 million Loan Loss Allowance $3.82 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $2.83 million Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 0.21% Return on Equity 0.84% Interest Income $2.71 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 Dearborn Federal Savings Bank had $6.07 million in non-current loans and owned real-estate with $72.55 million in equity and loan loss allowances on hand to cover it. This gives Dearborn Federal Savings Bank a Texas Ratio of 8.36% 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 Dearborn Federal Savings Bank held steady from 8.14% as of March 31, 2011 to 8.36% as of March 31, 2012, resulting in a negative change of 2.73%. This indicates that the balance sheet and financial strength for Dearborn Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Dearborn Federal Savings Bank has decreased its total deposits by -$4.73 million, resulting in -2.36% 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 Dearborn Federal Savings Bank 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. Dearborn Federal Savings Bank has $263.98 million in assets with $72.55 million in equity, resulting in a capitalization level of 27.48%, which is excellent.

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