Franklin Federal Savings Bank

Franklin Federal Savings Bank is headquartered in Glen Allen and is the 22^nd largest bank in the state of Virginia. It is also the 652^nd largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 100 employees at 8 locations. Franklin Federal Savings Bank's savings rates are 35% higher than the national average, and it has a 3-star health rating.

Franklin Federal Savings Bank Routing Number: 251072968

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Data for Q1 2012

Institution Statistics Franklin Federal Savings Bank OTS # 02386 FDIC Certificate # 28798 BankRate Report View Year Established 1933 Employees 100 Primary Regulator OCC Assets and Liabilities Assets $1.03 billion Loans $458.99 million Deposits $644.17 million Equity Capital $175.66 million Loan Loss Allowance $11.21 million Unbacked Noncurrent Loans $35.75 million Real Estate Owned $8.83 million Historic Data - March 2011 Assets $1.23 billion Equity Capital $109.45 million Loan Loss Allowance $11.28 million Unbacked Noncurrent Loans $34.84 million Real Estate Owned $11.64 million Profit Margin - Quarterly Net Interest Margin 2.82% Return on Assets 0.98% Return on Equity 5.73% Interest Income $10.96 million

Institution Health Overall Score: 3 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 Franklin Federal Savings Bank had $44.58 million in non-current loans and owned real-estate with $186.86 million in equity and loan loss allowances on hand to cover it. This gives Franklin Federal Savings Bank a Texas Ratio of 23.86% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Franklin Federal Savings Bank decreased slightly from 38.50% as of March 31, 2011 to 23.86% as of March 31, 2012, resulting in a positive change of 38.03%.This indicates that the balance sheet and financial strength for Franklin Federal Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Franklin Federal Savings Bank has decreased its total deposits by -$280.71 million, resulting in -30.35% 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 Franklin 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. Franklin Federal Savings Bank has $1.03 billion in assets with $186.86 million in equity, resulting in a capitalization level of 18.20%, which is excellent.

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