First Federal Savings & Loan Association of Ravenswood

First Federal Savings & Loan Association of Ravenswood is headquartered in Ravenswood and is the 63^rd largest bank in the state of West Virginia. It is also the 7,255^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 4 employees at 1 location. First Federal Savings & Loan Association of Ravenswood has a 5-star health rating.

Data for Q1 2012

Institution Statistics First Federal Savings & Loan Association of Ravenswood OTS # 03542 FDIC Certificate # 29490 BankRate Report View Year Established 1934 Employees 4 Primary Regulator OCC Assets and Liabilities Assets $13.04 million Loans $9.44 million Deposits $11.21 million Equity Capital $1.36 million Loan Loss Allowance $19,000 Historic Data - March 2011 Assets $12.24 million Equity Capital $1.27 million Loan Loss Allowance $18,000 Profit Margin - Quarterly Net Interest Margin 3.24% Return on Assets 0.74% Return on Equity 7.12% Interest Income $144,000

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 & Loan Association of Ravenswood had $0 in non-current loans and owned real-estate with $1.38 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings & Loan Association of Ravenswood a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, First Federal Savings & Loan Association of Ravenswood has increased its total deposits by $304,000, resulting in 2.79% 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 & Loan Association of Ravenswood 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 & Loan Association of Ravenswood has $13.04 million in assets with $1.38 million in equity, resulting in a capitalization level of 10.58%, which is above average.

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