Huntington Federal Savings Bank

Huntington Federal Savings Bank is headquartered in Huntington and is the 9^th largest bank in the state of West Virginia. It is also the 1,277^th largest bank in the nation. It was established in 1929 and as of March of 2012, it had grown to 93 employees at 5 locations. Huntington Federal Savings Bank has a 5-star health rating.

Huntington Federal Savings Bank Routing Number: 251573234

Data for Q1 2012

Institution Statistics Huntington Federal Savings Bank OTS # 00470 FDIC Certificate # 27884 BankRate Report View Year Established 1929 Employees 93 Primary Regulator OCC Assets and Liabilities Assets $529.84 million Loans $216.16 million Deposits $461.14 million Equity Capital $65.63 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $4.94 million Real Estate Owned $4.73 million Historic Data - March 2011 Assets $502.43 million Equity Capital $63.92 million Loan Loss Allowance $2.77 million Unbacked Noncurrent Loans $8.53 million Real Estate Owned $6.91 million Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets 0.66% Return on Equity 5.28% Interest Income $5.52 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 Huntington Federal Savings Bank had $9.67 million in non-current loans and owned real-estate with $68.05 million in equity and loan loss allowances on hand to cover it. This gives Huntington Federal Savings Bank a Texas Ratio of 14.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Huntington Federal Savings Bank decreased slightly from 23.16% as of March 31, 2011 to 14.21% as of March 31, 2012, resulting in a positive change of 38.66%.This indicates that the balance sheet and financial strength for Huntington Federal Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Huntington Federal Savings Bank has increased its total deposits by $24.51 million, resulting in 5.61% 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 Huntington Federal Savings Bank 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. Huntington Federal Savings Bank has $529.84 million in assets with $68.05 million in equity, resulting in a capitalization level of 12.84%, which is excellent.

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