First Federal Savings Bank of Champaign Urbana

First Federal Savings Bank of Champaign Urbana is headquartered in Champaign and is the 247^th largest bank in the state of Illinois. It is also the 3,557^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 66 employees at 3 locations. First Federal Savings Bank of Champaign Urbana has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First Federal Savings Bank of Champaign Urbana OTS # 01611 FDIC Certificate # 28445 BankRate Report View Year Established 1908 Employees 66 Primary Regulator OCC Assets and Liabilities Assets $168.82 million Loans $96.63 million Deposits $146.29 million Equity Capital $15.61 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $1.55 million Real Estate Owned $3.40 million Historic Data - March 2011 Assets $164.39 million Equity Capital $14.54 million Loan Loss Allowance $981,000 Unbacked Noncurrent Loans $677,000 Real Estate Owned $892,000 Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.79% Return on Equity 8.36% Interest Income $1.48 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 Bank of Champaign Urbana had $4.95 million in non-current loans and owned real-estate with $16.74 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings Bank of Champaign Urbana a Texas Ratio of 29.57% which is 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 of Champaign Urbana increased slightly from 10.11% as of March 31, 2011 to 29.57% as of March 31, 2012, resulting in a negative change of 192.45%. This indicates that the balance sheet and financial strength for First Federal Savings Bank of Champaign Urbana has declined slightly in recent periods. Deposit Growth In the past year, First Federal Savings Bank of Champaign Urbana has increased its total deposits by $4.82 million, resulting in 3.41% 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 of Champaign Urbana 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 Bank of Champaign Urbana has $168.82 million in assets with $16.74 million in equity, resulting in a capitalization level of 9.92%, which is average.

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