Kentland Federal Savings and Loan Association

Kentland Federal Savings and Loan Association is headquartered in Kentland and is the 139^th largest bank in the state of Indiana. It is also the 7,300^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 2 employees at 1 location. Kentland Federal Savings and Loan Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Kentland Federal Savings and Loan Association OTS # 02228 FDIC Certificate # 28722 BankRate Report View Year Established 1920 Employees 2 Primary Regulator OCC Assets and Liabilities Assets $4.72 million Loans $3.83 million Deposits $3.59 million Equity Capital $655,000 Loan Loss Allowance $15,000 Unbacked Noncurrent Loans $239,000 Historic Data - March 2011 Assets $3.94 million Equity Capital $635,000 Loan Loss Allowance $14,000 Profit Margin - Quarterly Net Interest Margin 4.6% Return on Assets 0.6% Return on Equity 4.3% Interest Income $67,000

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 Kentland Federal Savings and Loan Association had $239,000 in non-current loans and owned real-estate with $670,000 in equity and loan loss allowances on hand to cover it. This gives Kentland Federal Savings and Loan Association a Texas Ratio of 35.67% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Kentland Federal Savings and Loan Association has increased its total deposits by $601,000, resulting in 20.1% 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 Kentland Federal Savings and Loan Association 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. Kentland Federal Savings and Loan Association has $4.72 million in assets with $670,000 in equity, resulting in a capitalization level of 14.20%, which is excellent.

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