Forethought Federal Savings Bank

Forethought Federal Savings Bank is headquartered in Batesville and is the 105^th largest bank in the state of Indiana. It is also the 4,808^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 13 employees at 1 location. Forethought Federal Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Forethought Federal Savings Bank OTS # 14961 FDIC Certificate # 34748 BankRate Report View Year Established 1998 Employees 13 Primary Regulator OCC Assets and Liabilities Assets $105.59 million Deposits $86.33 million Equity Capital $14.14 million Historic Data - March 2011 Assets $134.23 million Equity Capital $10.06 million Profit Margin - Quarterly Net Interest Margin 2.67% Return on Assets 1.37% Return on Equity 10.14% Interest Income $875,000

Institution Health Overall Score: 4 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 Forethought Federal Savings Bank had $0 in non-current loans and owned real-estate with $14.14 million in equity and loan loss allowances on hand to cover it. This gives Forethought Federal Savings Bank 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, Forethought Federal Savings Bank has decreased its total deposits by -$37.44 million, resulting in -30.25% 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 Forethought Federal Savings Bank has shown is poor. 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. Forethought Federal Savings Bank has $105.59 million in assets with $14.14 million in equity, resulting in a capitalization level of 13.39%, which is excellent.

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