First Savings Bank, F.S.B.

First Savings Bank, F.S.B. is headquartered in Clarksville and is the 23^rd largest bank in the state of Indiana. It is also the 1,244^th largest bank in the nation. It was established in 1938 and as of March of 2012, it had grown to 155 employees at 12 locations. First Savings Bank, F.S.B. has a 5-star health rating.

First Savings Bank, F.S.B. Routing Number: 283071788

Data for Q1 2012

Institution Statistics First Savings Bank, F.S.B. OTS # 04433 FDIC Certificate # 29961 BankRate Report View Year Established 1938 Employees 155 Primary Regulator OCC Assets and Liabilities Assets $543.16 million Loans $353.83 million Deposits $411.77 million Equity Capital $73.33 million Loan Loss Allowance $4.92 million Unbacked Noncurrent Loans $5.07 million Real Estate Owned $1.02 million Historic Data - March 2011 Assets $512.35 million Equity Capital $51.83 million Loan Loss Allowance $3.79 million Unbacked Noncurrent Loans $6.14 million Real Estate Owned $1.35 million Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 0.84% Return on Equity 6.26% Interest Income $6.20 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 Savings Bank, F.S.B. had $6.09 million in non-current loans and owned real-estate with $78.26 million in equity and loan loss allowances on hand to cover it. This gives First Savings Bank, F.S.B. a Texas Ratio of 7.78% 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 Savings Bank, F.S.B. decreased significantly from 13.31% as of March 31, 2011 to 7.78% as of March 31, 2012, resulting in a positive change of 41.54%.This indicates that the balance sheet and financial strength for First Savings Bank, F.S.B. has improved significantly in recent periods. Deposit Growth In the past year, First Savings Bank, F.S.B. has increased its total deposits by $39.99 million, resulting in 10.76% 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 Savings Bank, 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 Savings Bank, F.S.B. has $543.16 million in assets with $78.26 million in equity, resulting in a capitalization level of 14.41%, which is excellent.

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