Fairfield Federal Savings and Loan Association of Lancaster

Fairfield Federal Savings and Loan Association of Lancaster is headquartered in Lancaster and is the 67^th largest bank in the state of Ohio. It is also the 2,359^th largest bank in the nation. It was established in 1895 and as of March of 2012, it had grown to 54 employees at 3 locations. Fairfield Federal Savings and Loan Association of Lancaster has a 4-star health rating.

Fairfield Federal Savings and Loan Association of Lancaster Checking Account Rates

Fairfield Federal Savings and Loan Association of Lancaster Savings Account Rates

Fairfield Federal Savings and Loan Association of Lancaster Money Market Rates

Fairfield Federal Savings and Loan Association of Lancaster CD Rates

Fairfield Federal Savings and Loan Association of Lancaster IRA Rates

Data for Q1 2012

Institution Statistics Fairfield Federal Savings and Loan Association of Lancaster OTS # 00311 FDIC Certificate # 27806 BankRate Report View Year Established 1895 Employees 54 Primary Regulator OCC Assets and Liabilities Assets $273.95 million Loans $227.35 million Deposits $239.83 million Equity Capital $23.66 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $1.53 million Real Estate Owned $633,000 Historic Data - March 2011 Assets $269.60 million Equity Capital $23.17 million Loan Loss Allowance $300,000 Unbacked Noncurrent Loans $1.45 million Real Estate Owned $490,000 Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 0.11% Return on Equity 1.27% Interest Income $2.95 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 Fairfield Federal Savings and Loan Association of Lancaster had $2.16 million in non-current loans and owned real-estate with $23.96 million in equity and loan loss allowances on hand to cover it. This gives Fairfield Federal Savings and Loan Association of Lancaster a Texas Ratio of 9.01% 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 Fairfield Federal Savings and Loan Association of Lancaster held steady from 8.27% as of March 31, 2011 to 9.01% as of March 31, 2012, resulting in a negative change of 8.92%. This indicates that the balance sheet and financial strength for Fairfield Federal Savings and Loan Association of Lancaster has held steady in recent periods. Deposit Growth In the past year, Fairfield Federal Savings and Loan Association of Lancaster has increased its total deposits by $4.32 million, resulting in 1.83% 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 Fairfield Federal Savings and Loan Association of Lancaster 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. Fairfield Federal Savings and Loan Association of Lancaster has $273.95 million in assets with $23.96 million in equity, resulting in a capitalization level of 8.74%, which is average.

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