First Federal Savings Bank (IN)

First Federal Savings Bank (IN) is headquartered in Evansville and is the 42^nd largest bank in the state of Indiana. It is also the 1,853^rd largest bank in the nation. It was established in 1934 and as of September of 2011, it had grown to 101 employees at 9 locations. First Federal Savings Bank (IN)'s savings rates are 6X the national average, and it has a 4-star health rating.

First Federal Savings Bank (IN) Checking Account Rates

First Federal Savings Bank (IN) Savings Account Rates

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First Federal Savings Bank (IN) IRA Rates

Data for Q3 2011

Institution Statistics First Federal Savings Bank OTS # 2838 FDIC Certificate # 29056 BankRate Report View Year Established 1934 Employees 101 Primary Regulator OCC Assets and Liabilities Assets $352.82 million Loans $162.85 million Deposits $243.34 million Equity Capital $38.43 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $2.25 million Real Estate Owned $3.10 million Historic Data - September 2010 Assets $344.81 million Equity Capital $36.81 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $2.27 million Real Estate Owned $3.31 million Profit Margin - Quarterly Net Interest Margin 2.85% Return on Assets 0.38% Return on Equity 3.56% Interest Income $10.42 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 September 30, 2011 First Federal Savings Bank (IN) had $5.35 million in non-current loans and owned real-estate with $40.37 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings Bank (IN) a Texas Ratio of 13.25% 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 Bank (IN) held steady from 14.47% as of September 30, 2010 to 13.25% as of September 30, 2011, resulting in a positive change of 8.44%.This indicates that the balance sheet and financial strength for First Federal Savings Bank (IN) has held steady in recent periods. Deposit Growth In the past year, First Federal Savings Bank (IN) has increased its total deposits by $29.42 million, resulting in 13.75% 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 Bank (IN) has shown is excellent. 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 Bank (IN) has $352.82 million in assets with $40.37 million in equity, resulting in a capitalization level of 11.44%, which is above average.

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