First Federal Savings and Loan Association

First Federal Savings and Loan Association is headquartered in Newark and is the 98^th largest bank in the state of Ohio. It is also the 3,486^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 42 employees at 6 locations. First Federal Savings and Loan Association has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Federal Savings and Loan Association OTS # 02893 FDIC Certificate # 29090 BankRate Report View Year Established 1934 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $173.29 million Loans $143.45 million Deposits $132.97 million Equity Capital $31.91 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $2.39 million Real Estate Owned $967,000 Historic Data - March 2011 Assets $178.64 million Equity Capital $31.75 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $2.34 million Real Estate Owned $733,000 Profit Margin - Quarterly Net Interest Margin 2.91% Return on Assets 0.18% Return on Equity 0.98% Interest Income $1.83 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 had $3.35 million in non-current loans and owned real-estate with $33.12 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings and Loan Association a Texas Ratio of 10.13% which is above 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 held steady from 9.34% as of March 31, 2011 to 10.13% as of March 31, 2012, resulting in a negative change of 8.46%. This indicates that the balance sheet and financial strength for First Federal Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, First Federal Savings and Loan Association has decreased its total deposits by -$5.22 million, resulting in -3.78% 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 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 has $173.29 million in assets with $33.12 million in equity, resulting in a capitalization level of 19.11%, which is excellent.

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