First Federal Savings and Loan Association of Greene Co

First Federal Savings and Loan Association of Greene Co is headquartered in Waynesburg and is the 37^th largest bank in the state of Pennsylvania. It is also the 770^th largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 117 employees at 5 locations. First Federal Savings and Loan Association of Greene Co's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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

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

First Federal Savings and Loan Association of Greene Co CD Rates

First Federal Savings and Loan Association of Greene Co IRA Rates

Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of Greene Co OTS # 02190 FDIC Certificate # 28706 BankRate Report View Year Established 1924 Employees 117 Primary Regulator OCC Assets and Liabilities Assets $858.29 million Loans $558.70 million Deposits $739.37 million Equity Capital $109.18 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $3.17 million Real Estate Owned $304,000 Historic Data - March 2011 Assets $811.00 million Equity Capital $105.64 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $3.36 million Real Estate Owned $138,000 Profit Margin - Quarterly Net Interest Margin 2.34% Return on Assets 0.37% Return on Equity 2.9% Interest Income $8.10 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 Greene Co had $3.48 million in non-current loans and owned real-estate with $110.93 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Greene Co a Texas Ratio of 3.13% 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 Greene Co held steady from 3.14% as of March 31, 2011 to 3.13% as of March 31, 2012, resulting in a positive change of 0.29%.This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Greene Co has held steady in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Greene Co has increased its total deposits by $42.78 million, resulting in 6.14% 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 Greene 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 Greene Co has $858.28 million in assets with $110.93 million in equity, resulting in a capitalization level of 12.92%, which is excellent.

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