Fayette Savings Bank, SSB

111 East Travis
La Grange, TX 78945
www.fayettesavings.com

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Fayette Savings Bank, SSB is headquartered in La Grange and is the 425^th largest bank in the state of Texas. It is also the 5,211^st largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 27 employees at 4 locations. Fayette Savings Bank, SSB's savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Fayette Savings Bank, SSB Checking Account Rates

Apy	Min	Max	Product
0.50%	-	-	Advanced Truncated Now Checking Account
0.25%	-	-	Truncated Now Checking Account
0.20%	-	-	Now Checking Account

Fayette Savings Bank, SSB Savings Account Rates

Apy	Min	Max	Product
0.65%	-	-	Health Savings Now Account (HSA)
0.30%	-	-	Savings Account

Fayette Savings Bank, SSB Money Market Rates

	Apy	Min	Max	Product
	0.45%	$10k	-	Money Market Checking Account

Fayette Savings Bank, SSB CD Rates

Apy	Min	Max	Product
1.65%	$2,500	-	48 Month Certificate
1.45%	$2,500	-	30 Month Certificate
0.95%	$2,500	-	24 Month Certificate
0.85%	$2,500	-	18 Month Certificate
0.70%	$2,500	-	7 Month Certificate
0.70%	$2,500	-	15 Month Certificate
0.65%	$2,500	-	6 Month Certificate
0.65%	$2,500	-	12 Month Certificate
0.65%	$2,500	-	13 Month Certificate
0.50%	$2,500	-	3 Month Certificate

Fayette Savings Bank, SSB IRA Rates

Apy	Min	Max	Product
1.65%	$500	-	30 Month Roth IRA Certificate
1.45%	$100	-	18 Month IRA Certificate

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Fayette Savings Bank, SSB
FDIC Certificate #	31936
BankRate Report	View
Year Established	1976
Employees	27
Primary Regulator	FDIC
Assets and Liabilities
Assets	$90.44 million
Loans	$42.51 million
Deposits	$83.11 million
Equity Capital	$6.80 million
Loan Loss Allowance	$492,000
Unbacked Noncurrent Loans	$371,000
Real Estate Owned	$76,000
Historic Data - March 2011
Assets	$83.66 million
Equity Capital	$6.40 million
Loan Loss Allowance	$495,000
Profit Margin - Quarterly
Net Interest Margin	3.51%
Return on Assets	0.74%
Return on Equity	9.34%
Interest Income	$842,000

Institution Health

Overall Score:

5 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 Fayette Savings Bank, SSB had $447,000 in non-current loans and owned real-estate with $7.29 million in equity and loan loss allowances on hand to cover it. This gives Fayette Savings Bank, SSB a Texas Ratio of 6.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Fayette Savings Bank, SSB has increased its total deposits by $6.37 million, resulting in 8.3% 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 Fayette Savings Bank, SSB 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. Fayette Savings Bank, SSB has $90.44 million in assets with $7.29 million in equity, resulting in a capitalization level of 8.06%, which is average.

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