First Federal Bank of Arkansas

First Federal Bank of Arkansas is headquartered in Harrison and is the 20^th largest bank in the state of Arkansas. It is also the 1,263^rd largest bank in the nation. It was established in 1934 and as of December of 2012, it had grown to 178 employees at 15 locations. First Federal Bank of Arkansas has a 3-star health rating.

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Data for Q4 2012

Institution Statistics First Federal Bank OTS # 02721 FDIC Certificate # 28982 BankRate Report View Year Established 1934 Employees 178 Primary Regulator OCC Assets and Liabilities Assets $530.40 million Loans $341.76 million Deposits $457.23 million Equity Capital $68.20 million Loan Loss Allowance $15.68 million Unbacked Noncurrent Loans $18.82 million Real Estate Owned $16.66 million Historic Data - December 2011 Assets $578.83 million Equity Capital $65.90 million Loan Loss Allowance $20.78 million Unbacked Noncurrent Loans $34.35 million Real Estate Owned $28.11 million Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 0.23% Return on Equity 1.91% Interest Income $20.91 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 December 31, 2012 First Federal Bank of Arkansas had $35.48 million in non-current loans and owned real-estate with $83.87 million in equity and loan loss allowances on hand to cover it. This gives First Federal Bank of Arkansas a Texas Ratio of 42.30% 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 of Arkansas decreased significantly from 72.05% as of December 31, 2011 to 42.30% as of December 31, 2012, resulting in a positive change of 41.29%.This indicates that the balance sheet and financial strength for First Federal Bank of Arkansas has improved significantly in recent periods. Deposit Growth In the past year, First Federal Bank of Arkansas has decreased its total deposits by -$44.97 million, resulting in -8.95% 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 of Arkansas has shown is poor. 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 of Arkansas has $530.4 million in assets with $83.87 million in equity, resulting in a capitalization level of 15.81%, which is excellent.

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