First Federal Bank, FSB

First Federal Bank, FSB is headquartered in Kansas City and is the 63^rd largest bank in the state of Missouri. It is also the 1,756^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 127 employees at 8 locations. First Federal Bank, FSB has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First Federal Bank, FSB OTS # 02825 FDIC Certificate # 29047 BankRate Report View Year Established 1934 Employees 127 Primary Regulator OCC Assets and Liabilities Assets $378.14 million Loans $233.46 million Deposits $283.86 million Equity Capital $51.63 million Loan Loss Allowance $939,000 Unbacked Noncurrent Loans $6.68 million Real Estate Owned $3.73 million Historic Data - March 2011 Assets $386.56 million Equity Capital $53.51 million Loan Loss Allowance $731,000 Unbacked Noncurrent Loans $3.31 million Real Estate Owned $5.13 million Profit Margin - Quarterly Net Interest Margin 2.48% Return on Assets 0.01% Return on Equity 0.06% Interest Income $3.18 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, FSB had $10.42 million in non-current loans and owned real-estate with $52.57 million in equity and loan loss allowances on hand to cover it. This gives First Federal Bank, FSB a Texas Ratio of 19.82% which is 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, FSB held steady from 15.58% as of March 31, 2011 to 19.82% as of March 31, 2012, resulting in a negative change of 27.23%. This indicates that the balance sheet and financial strength for First Federal Bank, FSB has held steady in recent periods. Deposit Growth In the past year, First Federal Bank, FSB has decreased its total deposits by -$8.93 million, resulting in -3.05% 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, FSB has shown is below 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. First Federal Bank, FSB has $378.14 million in assets with $52.57 million in equity, resulting in a capitalization level of 13.90%, which is excellent.

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