First Federal Savings Bank of Creston, F.S.B.

First Federal Savings Bank of Creston, F.S.B. is headquartered in Creston and is the 246^th largest bank in the state of Iowa. It is also the 5,877^th largest bank in the nation. It was established in 1991 and as of September of 2011, it had grown to 21 employees at 4 locations. First Federal Savings Bank of Creston, F.S.B. has a 5-star health rating.

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Data for Q3 2011

Institution Statistics First Federal Savings Bank of Creston, F.S.B. OTS # 09501 FDIC Certificate # 33524 BankRate Report View Year Established 1991 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $67.43 million Loans $39.42 million Deposits $59.62 million Equity Capital $7.62 million Loan Loss Allowance $235,000 Unbacked Noncurrent Loans $91,000 Historic Data - September 2010 Assets $61.10 million Equity Capital $7.20 million Loan Loss Allowance $235,000 Unbacked Noncurrent Loans $261,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.95% Return on Equity 8.52% Interest Income $2.27 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 September 30, 2011 First Federal Savings Bank of Creston, F.S.B. had $91,000 in non-current loans and owned real-estate with $7.86 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings Bank of Creston, F.S.B. a Texas Ratio of 1.16% 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 Creston, F.S.B. decreased significantly from 3.51% as of September 30, 2010 to 1.16% as of September 30, 2011, resulting in a positive change of 67.02%.This indicates that the balance sheet and financial strength for First Federal Savings Bank of Creston, F.S.B. has improved significantly in recent periods. Deposit Growth In the past year, First Federal Savings Bank of Creston, F.S.B. has increased its total deposits by $5.89 million, resulting in 10.96% 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 Creston, F.S.B. 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 of Creston, F.S.B. has $67.43 million in assets with $7.86 million in equity, resulting in a capitalization level of 11.65%, which is above average.

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