First Federal Savings and Loan Association of Lorain

First Federal Savings and Loan Association of Lorain is headquartered in Lorain and is the 45^th largest bank in the state of Ohio. It is also the 1,385^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 105 employees at 7 locations. First Federal Savings and Loan Association of Lorain has a 4-star health rating.

First Federal Savings and Loan Association of Lorain Checking Account Rates

First Federal Savings and Loan Association of Lorain Savings Account Rates

First Federal Savings and Loan Association of Lorain Money Market Rates

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Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of Lorain OTS # 04171 FDIC Certificate # 29838 BankRate Report View Year Established 1921 Employees 105 Primary Regulator OCC Assets and Liabilities Assets $489.90 million Loans $345.63 million Deposits $385.43 million Equity Capital $61.75 million Loan Loss Allowance $3.80 million Unbacked Noncurrent Loans $11.09 million Real Estate Owned $2.18 million Historic Data - March 2011 Assets $474.09 million Equity Capital $58.55 million Loan Loss Allowance $4.00 million Unbacked Noncurrent Loans $14.00 million Real Estate Owned $5.61 million Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.23% Return on Equity 1.82% Interest Income $4.97 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 Lorain had $13.27 million in non-current loans and owned real-estate with $65.55 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Lorain a Texas Ratio of 20.25% which is 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 Lorain decreased slightly from 31.36% as of March 31, 2011 to 20.25% as of March 31, 2012, resulting in a positive change of 35.42%.This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Lorain has improved slightly in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Lorain has increased its total deposits by $3.74 million, resulting in 0.98% 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 Lorain has shown is 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 Lorain has $489.9 million in assets with $65.55 million in equity, resulting in a capitalization level of 13.38%, which is excellent.

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