Financial Federal Savings Bank

Financial Federal Savings Bank is headquartered in Memphis and is the 55^th largest bank in the state of Tennessee. It is also the 2,037^th largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 52 employees at 1 location. Financial Federal Savings Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Financial Federal Savings Bank OTS # 07523 FDIC Certificate # 31840 BankRate Report View Year Established 1973 Employees 52 Primary Regulator OCC Assets and Liabilities Assets $319.49 million Loans $295.50 million Deposits $219.07 million Equity Capital $49.48 million Loan Loss Allowance $5.12 million Unbacked Noncurrent Loans $4.72 million Real Estate Owned $1.06 million Historic Data - March 2011 Assets $300.14 million Equity Capital $46.93 million Loan Loss Allowance $4.82 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $4.12 million Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 1.83% Return on Equity 11.95% Interest Income $3.41 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 Financial Federal Savings Bank had $5.79 million in non-current loans and owned real-estate with $54.6 million in equity and loan loss allowances on hand to cover it. This gives Financial Federal Savings Bank a Texas Ratio of 10.60% 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 Financial Federal Savings Bank held steady from 11.93% as of March 31, 2011 to 10.60% as of March 31, 2012, resulting in a positive change of 11.18%.This indicates that the balance sheet and financial strength for Financial Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Financial Federal Savings Bank has increased its total deposits by $14.48 million, resulting in 7.08% 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 Financial Federal Savings Bank 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. Financial Federal Savings Bank has $319.49 million in assets with $54.6 million in equity, resulting in a capitalization level of 17.09%, which is excellent.

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