First Federal Savings and Loan Association of McMinnville

First Federal Savings and Loan Association of McMinnville is headquartered in Mcminnville and is the 12^st largest bank in the state of Oregon. It is also the 1,924^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 77 employees at 8 locations. First Federal Savings and Loan Association of McMinnville has a 3-star health rating.

First Federal Savings and Loan Association of McMinnville Checking Account Rates

First Federal Savings and Loan Association of McMinnville Savings Account Rates

First Federal Savings and Loan Association of McMinnville Money Market Rates

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First Federal Savings and Loan Association of McMinnville IRA Rates

Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association of McMinnville OTS # 03773 FDIC Certificate # 29624 BankRate Report View Year Established 1922 Employees 77 Primary Regulator OCC Assets and Liabilities Assets $341.83 million Loans $229.79 million Deposits $289.76 million Equity Capital $50.00 million Loan Loss Allowance $3.31 million Unbacked Noncurrent Loans $17.90 million Historic Data - March 2011 Assets $346.21 million Equity Capital $54.02 million Loan Loss Allowance $2.74 million Unbacked Noncurrent Loans $2.77 million Real Estate Owned $8.13 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets -2.66% Return on Equity -17.81% Interest Income $3.43 million

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 McMinnville had $17.9 million in non-current loans and owned real-estate with $53.31 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of McMinnville a Texas Ratio of 33.58% 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 McMinnville increased slightly from 19.22% as of March 31, 2011 to 33.58% as of March 31, 2012, resulting in a negative change of 74.75%. This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of McMinnville has declined slightly in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of McMinnville has decreased its total deposits by $-249,000, resulting in -0.09% 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 McMinnville 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 McMinnville has $341.83 million in assets with $53.31 million in equity, resulting in a capitalization level of 15.59%, which is excellent.

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