Highland Falls Federal Savings and Loan Association

Highland Falls Federal Savings and Loan Association is headquartered in Highland Falls and is the 171^st largest bank in the state of New York. It is also the 6,711^st largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 6 employees at 1 location. Highland Falls Federal Savings and Loan Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Highland Falls Federal Savings and Loan Association OTS # 01555 FDIC Certificate # 28417 BankRate Report View Year Established 1926 Employees 6 Primary Regulator OCC Assets and Liabilities Assets $39.10 million Loans $17.75 million Deposits $32.59 million Equity Capital $5.97 million Loan Loss Allowance $215,000 Unbacked Noncurrent Loans $1.12 million Historic Data - March 2011 Assets $39.62 million Equity Capital $6.25 million Loan Loss Allowance $215,000 Unbacked Noncurrent Loans $1.16 million Profit Margin - Quarterly Net Interest Margin 2.51% Return on Assets -0.76% Return on Equity -5% Interest Income $295,000

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 Highland Falls Federal Savings and Loan Association had $1.12 million in non-current loans and owned real-estate with $6.19 million in equity and loan loss allowances on hand to cover it. This gives Highland Falls Federal Savings and Loan Association a Texas Ratio of 18.15% 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 Highland Falls Federal Savings and Loan Association held steady from 17.96% as of March 31, 2011 to 18.15% as of March 31, 2012, resulting in a negative change of 1.07%. This indicates that the balance sheet and financial strength for Highland Falls Federal Savings and Loan Association has held steady in recent periods. Deposit Growth In the past year, Highland Falls Federal Savings and Loan Association has decreased its total deposits by $-276,000, resulting in -0.84% 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 Highland Falls Federal Savings and Loan Association has shown is 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. Highland Falls Federal Savings and Loan Association has $39.1 million in assets with $6.19 million in equity, resulting in a capitalization level of 15.82%, which is excellent.

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