First Federal Savings and Loan Association of Bath

First Federal Savings and Loan Association of Bath is headquartered in Bath and is the 23^rd largest bank in the state of Maine. It is also the 4,643^rd largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 37 employees at 5 locations. First Federal Savings and Loan Association of Bath has a 5-star health rating.

First Federal Savings and Loan Association of Bath Checking Account Rates

First Federal Savings and Loan Association of Bath Savings Account Rates

First Federal Savings and Loan Association of Bath Money Market Rates

First Federal Savings and Loan Association of Bath CD Rates

First Federal Savings and Loan Association of Bath IRA Rates

Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of Bath OTS # 03786 FDIC Certificate # 29636 BankRate Report View Year Established 1935 Employees 37 Primary Regulator OCC Assets and Liabilities Assets $112.78 million Loans $102.06 million Deposits $94.07 million Equity Capital $18.00 million Loan Loss Allowance $689,000 Unbacked Noncurrent Loans $2.17 million Real Estate Owned $343,000 Historic Data - March 2011 Assets $112.59 million Equity Capital $17.52 million Loan Loss Allowance $693,000 Unbacked Noncurrent Loans $2.56 million Real Estate Owned $396,000 Profit Margin - Quarterly Net Interest Margin 4.59% Return on Assets 0.41% Return on Equity 2.59% Interest Income $1.43 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 First Federal Savings and Loan Association of Bath had $2.51 million in non-current loans and owned real-estate with $18.69 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Bath a Texas Ratio of 13.42% 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 First Federal Savings and Loan Association of Bath decreased slightly from 16.21% as of March 31, 2011 to 13.42% as of March 31, 2012, resulting in a positive change of 17.20%.This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Bath has improved slightly in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Bath has increased its total deposits by $2.73 million, resulting in 2.99% 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 Savings and Loan Association of Bath has shown is above 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 Savings and Loan Association of Bath has $112.78 million in assets with $18.69 million in equity, resulting in a capitalization level of 16.57%, which is excellent.

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