First Federal Bank, A FSB

First Federal Bank, A FSB is headquartered in Tuscaloosa and is the 67^th largest bank in the state of Alabama. It is also the 3,505^th largest bank in the nation. It was established in 1959 and as of March of 2012, it had grown to 122 employees at 3 locations. First Federal Bank, A FSB has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Federal Bank, A FSB OTS # 06432 FDIC Certificate # 31127 BankRate Report View Year Established 1959 Employees 122 Primary Regulator OCC Assets and Liabilities Assets $171.88 million Loans $144.49 million Deposits $134.12 million Equity Capital $14.54 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $5.11 million Real Estate Owned $1.64 million Historic Data - March 2011 Assets $174.50 million Equity Capital $13.40 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $3.21 million Real Estate Owned $4.28 million Profit Margin - Quarterly Net Interest Margin 1.59% Return on Assets 0.24% Return on Equity 2.98% Interest Income $1.25 million

Institution Health Overall Score: 3 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 First Federal Bank, A FSB had $6.74 million in non-current loans and owned real-estate with $16.55 million in equity and loan loss allowances on hand to cover it. This gives First Federal Bank, A FSB a Texas Ratio of 40.74% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Federal Bank, A FSB held steady from 47.17% as of March 31, 2011 to 40.74% as of March 31, 2012, resulting in a positive change of 13.63%.This indicates that the balance sheet and financial strength for First Federal Bank, A FSB has held steady in recent periods. Deposit Growth In the past year, First Federal Bank, A FSB has increased its total deposits by $12.04 million, resulting in 9.86% 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 First Federal Bank, A FSB 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. First Federal Bank, A FSB has $171.88 million in assets with $16.55 million in equity, resulting in a capitalization level of 9.63%, which is average.

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