First Federal Savings and Loan Association of Kewanee

First Federal Savings and Loan Association of Kewanee is headquartered in Kewanee and is the 408^th largest bank in the state of Illinois. It is also the 5,649^th largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 15 employees at 3 locations. First Federal Savings and Loan Association of Kewanee has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of Kewanee OTS # 03756 FDIC Certificate # 29611 BankRate Report View Year Established 1882 Employees 15 Primary Regulator OCC Assets and Liabilities Assets $74.55 million Loans $32.95 million Deposits $65.89 million Equity Capital $8.56 million Loan Loss Allowance $550,000 Unbacked Noncurrent Loans $2.34 million Real Estate Owned $1.25 million Historic Data - March 2011 Assets $76.60 million Equity Capital $8.83 million Loan Loss Allowance $369,000 Unbacked Noncurrent Loans $4.21 million Real Estate Owned $74,000 Profit Margin - Quarterly Net Interest Margin 2.7% Return on Assets -0.09% Return on Equity -0.75% Interest Income $585,000

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 Savings and Loan Association of Kewanee had $3.6 million in non-current loans and owned real-estate with $9.11 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Kewanee a Texas Ratio of 39.48% which is below 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 Kewanee decreased slightly from 46.55% as of March 31, 2011 to 39.48% as of March 31, 2012, resulting in a positive change of 15.18%.This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Kewanee has improved slightly in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Kewanee has decreased its total deposits by -$1.77 million, resulting in -2.62% 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 Kewanee has shown is below 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 Kewanee has $74.55 million in assets with $9.11 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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