1359 N. Grand Avenue
Covina, CA 91724
800.524.CASH
www.kaiserfederal.biz



Kaiser Federal Bank is headquartered in Covina and is the 53rd largest bank in the state of California. It is also the 732nd largest bank in the nation. It was established in 1953 and as of September of 2011, it had grown to 112 employees at 9 locations. Kaiser Federal Bank has a 4-star health rating.

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Special 5-Year CD and IRA CD Rate at Kaiser Federal Bank in California - 1/14/2011

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See Rates for: Checking | Savings | Money Market | CD | IRA

Kaiser Federal Bank Checking Account Rates

ApyMinMaxProduct
0.10%--Relationship Checking
0.00%--Standard Checking
0.00%--Choice Checking

Kaiser Federal Bank Savings Account Rates

ApyMinMaxProduct
0.25%--Holiday Club
0.10%$100-Savings Account
0.10%$100-IRA Savings
0.10%$100-Roth IRA Savings
0.10%$100-CESA Savings
0.10%$100-Youth Savings Account

Kaiser Federal Bank Money Market Rates

ApyMinMaxProduct
0.45%$75k-Money Maximizer IRA
0.45%$75k-Money Maximizer

Kaiser Federal Bank CD Rates

ApyMinMaxProduct
1.50%$1k-5 Year CD
1.20%$1k-3 Year to Less than 5 Year CD
0.60%$1k-2 Year to Less than 3 Year CD
0.50%$1k-1 Year to Less than 2 Year CD
0.30%$1k-182 - 364 Day CD
0.20%$1k-90 - 181 Day CD

Kaiser Federal Bank IRA Rates

ApyMinMaxProduct
2.05%$10k-60 Month IRA Special
2.05%$10k-60 Month Roth IRA Special
2.05%$10k-60 Month CESA Special
1.50%$10k-5 Year IRA
1.50%$10k-5 Year Roth IRA
1.50%$10k-5 Year CESA
1.20%$10k-36 - 59 Month IRA
1.20%$10k-36 - 59 Month Roth IRA
1.20%$10k-36 - 59 Month CESA
0.60%$10k-24 - 35 Month IRA
0.60%$10k-24 - 35 Month Roth IRA
0.60%$10k-24 - 35 Month CESA
0.50%$10k-12 - 23 Month IRA
0.50%$10k-12 - 23 Month Roth IRA
0.50%$10k-12 - 23 Month CESA
0.30%$10k-182 - 364 Day IRA
0.30%$10k-182 - 364 Day Roth IRA
0.30%$10k-182 - 364 Day CESA

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


Kaiser Federal Bank
OTS #15954
FDIC Certificate #35448
BankRate ReportView
Year Established1953
Employees112
Primary RegulatorOCC

Assets and Liabilities

Assets$913.85 million
Loans$718.06 million
Deposits$683.30 million
Equity Capital$121.95 million
Loan Loss Allowance$5.98 million
Unbacked Noncurrent Loans$21.95 million
Real Estate Owned$56,000

Historic Data - September 2010

Assets$875.36 million
Equity Capital$86.46 million
Loan Loss Allowance$7.94 million
Unbacked Noncurrent Loans$22.45 million
Real Estate Owned$1.14 million

Profit Margin - Quarterly

Net Interest Margin3.52%
Return on Assets1.03%
Return on Equity7.69%
Interest Income$31.43 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
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 September 30, 2011 Kaiser Federal Bank had $22.01 million in non-current loans and owned real-estate with $127.93 million in equity and loan loss allowances on hand to cover it. This gives Kaiser Federal Bank a Texas Ratio of 17.20% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Kaiser Federal Bank decreased slightly from 24.99% as of September 30, 2010 to 17.20% as of September 30, 2011, resulting in a positive change of 31.18%.This indicates that the balance sheet and financial strength for Kaiser Federal Bank has improved slightly in recent periods.
Deposit Growth5
In the past year, Kaiser Federal Bank has increased its total deposits by $38.12 million, resulting in 5.91% 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 Kaiser Federal Bank has shown is excellent.
Capitalization5
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. Kaiser Federal Bank has $913.85 million in assets with $127.93 million in equity, resulting in a capitalization level of 14.00%, which is excellent.
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