First Federal Savings and Loan Association of Mattoon

First Federal Savings and Loan Association of Mattoon is headquartered in Mattoon and is the 364^th largest bank in the state of Illinois. It is also the 5,212^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 16 employees at 1 location. First Federal Savings and Loan Association of Mattoon has a 5-star health rating.

Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of Mattoon OTS # 00412 FDIC Certificate # 27858 BankRate Report View Year Established 1889 Employees 16 Primary Regulator OCC Assets and Liabilities Assets $90.39 million Loans $31.61 million Deposits $64.79 million Equity Capital $24.49 million Loan Loss Allowance $284,000 Unbacked Noncurrent Loans $136,000 Real Estate Owned $171,000 Historic Data - March 2011 Assets $91.95 million Equity Capital $23.56 million Loan Loss Allowance $203,000 Real Estate Owned $143,000 Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 0.58% Return on Equity 2.11% Interest Income $740,000

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 Mattoon had $307,000 in non-current loans and owned real-estate with $24.78 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Mattoon a Texas Ratio of 1.24% 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 Mattoon held steady from 0.60% as of March 31, 2011 to 1.24% as of March 31, 2012, resulting in a negative change of 105.87%. This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Mattoon has held steady in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Mattoon has decreased its total deposits by -$2.74 million, resulting in -4.05% 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 Mattoon 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 Mattoon has $90.39 million in assets with $24.78 million in equity, resulting in a capitalization level of 27.41%, which is excellent.

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