Lafayette Savings Bank, FSB

Lafayette Savings Bank, FSB is headquartered in Lafayette and is the 41^st largest bank in the state of Indiana. It is also the 1,796^th largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 91 employees at 5 locations. Lafayette Savings Bank, FSB's savings rates are 3X the national average, and it has a 3-star health rating.

Lafayette Savings Bank, FSB Checking Account Rates

Lafayette Savings Bank, FSB Savings Account Rates

Lafayette Savings Bank, FSB Money Market Rates

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Lafayette Savings Bank, FSB IRA Rates

Data for Q1 2012

Institution Statistics Lafayette Savings Bank, FSB OTS # 08050 FDIC Certificate # 11990 BankRate Report View Year Established 1869 Employees 91 Primary Regulator OCC Assets and Liabilities Assets $371.80 million Loans $295.50 million Deposits $316.22 million Equity Capital $36.37 million Loan Loss Allowance $5.31 million Unbacked Noncurrent Loans $12.19 million Real Estate Owned $599,000 Historic Data - March 2011 Assets $363.60 million Equity Capital $35.44 million Loan Loss Allowance $4.72 million Unbacked Noncurrent Loans $16.93 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.69% Return on Equity 7% Interest Income $4.18 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 Lafayette Savings Bank, FSB had $12.79 million in non-current loans and owned real-estate with $41.68 million in equity and loan loss allowances on hand to cover it. This gives Lafayette Savings Bank, FSB a Texas Ratio of 30.68% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lafayette Savings Bank, FSB decreased slightly from 44.70% as of March 31, 2011 to 30.68% as of March 31, 2012, resulting in a positive change of 31.36%.This indicates that the balance sheet and financial strength for Lafayette Savings Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Lafayette Savings Bank, FSB has increased its total deposits by $9.83 million, resulting in 3.21% 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 Lafayette Savings Bank, FSB has shown is above 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. Lafayette Savings Bank, FSB has $371.8 million in assets with $41.68 million in equity, resulting in a capitalization level of 11.21%, which is above average.

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