First Federal Savings and Loan Association of Bucks Co

First Federal Savings and Loan Association of Bucks Co is headquartered in Bristol and is the 52^nd largest bank in the state of Pennsylvania. It is also the 971^st largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 112 employees at 10 locations. First Federal Savings and Loan Association of Bucks Co has a 5-star health rating.

First Federal Savings and Loan Association of Bucks Co Checking Account Rates

First Federal Savings and Loan Association of Bucks Co Savings Account Rates

First Federal Savings and Loan Association of Bucks Co Money Market Rates

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First Federal Savings and Loan Association of Bucks Co IRA Rates

Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of Bucks Co OTS # 02457 FDIC Certificate # 28835 BankRate Report View Year Established 1885 Employees 112 Primary Regulator OCC Assets and Liabilities Assets $679.19 million Loans $425.70 million Deposits $546.27 million Equity Capital $70.96 million Loan Loss Allowance $3.60 million Unbacked Noncurrent Loans $2.47 million Real Estate Owned $20,000 Historic Data - March 2011 Assets $630.50 million Equity Capital $65.35 million Loan Loss Allowance $3.52 million Unbacked Noncurrent Loans $5.77 million Real Estate Owned $28,000 Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets 0.8% Return on Equity 7.64% Interest Income $6.79 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 Bucks Co had $2.49 million in non-current loans and owned real-estate with $74.57 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Bucks Co a Texas Ratio of 3.34% which is excellent. 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 Bucks Co decreased significantly from 8.42% as of March 31, 2011 to 3.34% as of March 31, 2012, resulting in a positive change of 60.38%.This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Bucks Co has improved significantly in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Bucks Co has increased its total deposits by $46.82 million, resulting in 9.38% 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 Bucks Co 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 Savings and Loan Association of Bucks Co has $679.19 million in assets with $74.57 million in equity, resulting in a capitalization level of 10.98%, which is above average.

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