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First Federal Savings and Loan Association of San Rafael

Overview / Commentary
415-456-6231
1030 Third St
San Rafael, CA 94901

First Federal Savings and Loan Association of San Rafael is headquartered in San Rafael and is the 157th largest bank in the state of California. It is also the 3,344th largest bank in the nation. It was established in 1963 and as of March of 2014, it had grown to 37 employees at 5 locations. First Federal Savings and Loan Association of San Rafael has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Federal Savings and Loan Association of San Rafael had $0 in non-current loans and owned real-estate with $38.09 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association of San Rafael a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
B+

In the past year, First Federal Savings and Loan Association of San Rafael has increased its total deposits by $3.17 million, resulting in 2.37% 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 San Rafael has shown is above average.

Capitalization

GRADE:
A+

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 San Rafael has $174.79 million in assets with $38.09 million in equity, resulting in a capitalization level of 21.79%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #31406
Year Established1963
Employees37
Primary RegulatorOCC
Assets and Liabilities
Assets$174.79 million
Loans$142.62 million
Deposits$136.98 million
Equity Capital$37.21 million
Loan Loss Allowance$880,000
Real Estate Owned$0
Historic Data - March 2013
Assets$170.93 million
Equity Capital$36.50 million
Loan Loss Allowance$880,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.85%
Return on Assets0.35%
Return on Equity1.64%
Interest Income$1.93 million
Rates
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First Federal Savings and Loan Association of San Rafael Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Regular Savings Account
0.10%$100-Transactional Savings Account

First Federal Savings and Loan Association of San Rafael Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Select Checking Account
0.05%$100-Classic Checking

First Federal Savings and Loan Association of San Rafael CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-72 Month CD
1.25%$1k-60 Month CD
0.80%$1k-48 Month CD
0.70%$1k-36 Month CD
0.40%$1k-24 Month CD
0.35%$1k-18 Month CD
0.25%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD
0.10%$1k-3 Month Add-On CD
Locations


First Federal Savings and Loan Association of San Rafael Locations
First Federal Savings and Loan Association Of San 1030 Third StSan Rafael, CA 94901
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