First Federal Bank of Wisconsin

First Federal Bank of Wisconsin is headquartered in Waukesha and is the 164^th largest bank in the state of Wisconsin. It is also the 4,474^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 22 employees at 3 locations. First Federal Bank of Wisconsin's savings rates are 25% higher than the national average, and it has a 3-star health rating.

First Federal Bank of Wisconsin Checking Account Rates

First Federal Bank of Wisconsin Savings Account Rates

First Federal Bank of Wisconsin CD Rates

Data for Q1 2012

Institution Statistics First Federal Bank of Wisconsin OTS # 05313 FDIC Certificate # 30422 BankRate Report View Year Established 1922 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $119.60 million Loans $82.76 million Deposits $98.46 million Equity Capital $12.47 million Loan Loss Allowance $748,000 Unbacked Noncurrent Loans $1.47 million Real Estate Owned $1.73 million Historic Data - March 2011 Assets $125.05 million Equity Capital $12.30 million Loan Loss Allowance $656,000 Unbacked Noncurrent Loans $230,000 Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 3.35% Return on Assets 0.39% Return on Equity 3.77% Interest Income $1.11 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 of Wisconsin had $3.2 million in non-current loans and owned real-estate with $13.22 million in equity and loan loss allowances on hand to cover it. This gives First Federal Bank of Wisconsin a Texas Ratio of 24.24% 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 of Wisconsin increased slightly from 15.90% as of March 31, 2011 to 24.24% as of March 31, 2012, resulting in a negative change of 52.43%. This indicates that the balance sheet and financial strength for First Federal Bank of Wisconsin has declined slightly in recent periods. Deposit Growth In the past year, First Federal Bank of Wisconsin has decreased its total deposits by -$9.77 million, resulting in -9.03% 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 Wisconsin 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 Wisconsin has $119.6 million in assets with $13.22 million in equity, resulting in a capitalization level of 11.05%, which is above average.

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