Federal Savings Bank

Federal Savings Bank is headquartered in Dover and is the 14^st largest bank in the state of New Hampshire. It is also the 2,355^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 71 employees at 5 locations. Federal Savings Bank has a 5-star health rating.

Federal Savings Bank Routing Number: 211470018

Federal Savings Bank Checking Account Rates

Federal Savings Bank Savings Account Rates

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Federal Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Federal Savings Bank OTS # 03997 FDIC Certificate # 29744 BankRate Report View Year Established 1890 Employees 71 Primary Regulator OCC Assets and Liabilities Assets $274.30 million Loans $232.44 million Deposits $182.04 million Equity Capital $25.65 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $1.41 million Real Estate Owned $385,000 Historic Data - March 2011 Assets $263.27 million Equity Capital $24.78 million Loan Loss Allowance $2.30 million Unbacked Noncurrent Loans $2.97 million Real Estate Owned $346,000 Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.47% Return on Equity 5.04% Interest Income $3.14 million

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 Federal Savings Bank had $1.79 million in non-current loans and owned real-estate with $28.32 million in equity and loan loss allowances on hand to cover it. This gives Federal Savings Bank a Texas Ratio of 6.32% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Federal Savings Bank decreased significantly from 12.26% as of March 31, 2011 to 6.32% as of March 31, 2012, resulting in a positive change of 48.43%.This indicates that the balance sheet and financial strength for Federal Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Federal Savings Bank has increased its total deposits by $4.97 million, resulting in 2.81% 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 Federal Savings Bank 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. Federal Savings Bank has $274.3 million in assets with $28.32 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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