First Federal Savings and Loan Association of Greensburg

First Federal Savings and Loan Association of Greensburg is headquartered in Greensburg and is the 88^th largest bank in the state of Indiana. It is also the 4,100^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 21 employees at 3 locations. First Federal Savings and Loan Association of Greensburg has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of Greensburg OTS # 04656 FDIC Certificate # 30058 BankRate Report View Year Established 1883 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $136.83 million Loans $92.74 million Deposits $123.56 million Equity Capital $12.54 million Loan Loss Allowance $531,000 Unbacked Noncurrent Loans $1.09 million Real Estate Owned $663,000 Historic Data - March 2011 Assets $123.13 million Equity Capital $11.85 million Loan Loss Allowance $514,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $107,000 Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 0.61% Return on Equity 6.85% Interest Income $1.27 million

Institution Health Overall Score: 4 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 Greensburg had $1.75 million in non-current loans and owned real-estate with $13.07 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Greensburg a Texas Ratio of 13.39% 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 Greensburg held steady from 10.67% as of March 31, 2011 to 13.39% as of March 31, 2012, resulting in a negative change of 25.52%. This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Greensburg has held steady in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Greensburg has increased its total deposits by $12.77 million, resulting in 11.52% 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 Greensburg 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 Greensburg has $136.83 million in assets with $13.07 million in equity, resulting in a capitalization level of 9.55%, which is average.

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