First Federal Savings and Loan Association of Olathe

First Federal Savings and Loan Association of Olathe is headquartered in Olathe and is the 191^st largest bank in the state of Kansas. It is also the 5,939^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 5 employees at 1 location. First Federal Savings and Loan Association of Olathe has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Federal Savings and Loan Bank OTS # 02004 FDIC Certificate # 28635 BankRate Report View Year Established 1923 Employees 5 Primary Regulator FDIC Assets and Liabilities Assets $64.57 million Loans $50.74 million Deposits $47.29 million Equity Capital $8.01 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $3.23 million Real Estate Owned $828,000 Historic Data - March 2011 Assets $66.30 million Equity Capital $9.17 million Loan Loss Allowance $554,000 Unbacked Noncurrent Loans $3.52 million Real Estate Owned $828,000 Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.97% Return on Equity 7.92% Interest Income $941,000

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 Olathe had $4.06 million in non-current loans and owned real-estate with $9.07 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of Olathe a Texas Ratio of 44.72% 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 Olathe held steady from 44.72% as of March 31, 2011 to 44.72% as of March 31, 2012, resulting in a positive change of 0.01%.This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association of Olathe has held steady in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association of Olathe has increased its total deposits by $1.57 million, resulting in 3.43% 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 Olathe has shown is above 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 Olathe has $64.57 million in assets with $9.07 million in equity, resulting in a capitalization level of 14.04%, which is excellent.

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