First Federal Savings Bank of Frankfort

First Federal Savings Bank of Frankfort is headquartered in Frankfort and is the 103^rd largest bank in the state of Kentucky. It is also the 4,104^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 27 employees at 3 locations. First Federal Savings Bank of Frankfort's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Federal Savings Bank of Frankfort OTS # 04381 FDIC Certificate # 29937 BankRate Report View Year Established 1934 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $136.78 million Loans $108.62 million Deposits $84.04 million Equity Capital $33.77 million Loan Loss Allowance $444,000 Unbacked Noncurrent Loans $508,000 Real Estate Owned $949,000 Historic Data - March 2011 Assets $139.74 million Equity Capital $32.78 million Loan Loss Allowance $401,000 Unbacked Noncurrent Loans $931,000 Real Estate Owned $1.23 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.05% Return on Equity 4.3% Interest Income $1.44 million

Institution Health Overall Score: 5 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 Frankfort had $1.46 million in non-current loans and owned real-estate with $34.22 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings Bank of Frankfort a Texas Ratio of 4.26% which is excellent. 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 Frankfort decreased slightly from 6.52% as of March 31, 2011 to 4.26% as of March 31, 2012, resulting in a positive change of 34.66%.This indicates that the balance sheet and financial strength for First Federal Savings Bank of Frankfort has improved slightly in recent periods. Deposit Growth In the past year, First Federal Savings Bank of Frankfort has decreased its total deposits by -$2.97 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 Frankfort 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 Bank of Frankfort has $136.78 million in assets with $34.22 million in equity, resulting in a capitalization level of 25.02%, which is excellent.

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