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Overview / Commentary
913-682-3491
100 South 4th St
Leavenworth, KS 66048

Mutual Savings Association, FSA is headquartered in Leavenworth and is the 68th largest bank in the state of Kansas. It is also the 3,054th largest bank in the nation. It was established in 1888 and as of March of 2014, it had grown to 46 employees at 6 locations. Mutual Savings Association, FSA has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mutual Savings Association, FSA had $11.94 million in non-current loans and owned real-estate with $58.67 million in equity and loan loss allowances on hand to cover it. This gives Mutual Savings Association, FSA a Texas Ratio of 20.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Mutual Savings Association, FSA decreased slightly from 23.05% as of March 31, 2013 to 20.35% as of March 31, 2014, resulting in a positive change of 11.74%.This indicates that the balance sheet and financial strength for Mutual Savings Association, FSA has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Mutual Savings Association, FSA has decreased its total deposits by -$13.79 million, resulting in -8.87% 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 Mutual Savings Association, FSA has shown is below average.

Capitalization

GRADE:
A+

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. Mutual Savings Association, FSA has $200.59 million in assets with $58.67 million in equity, resulting in a capitalization level of 29.25%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #29988
Year Established1888
Employees46
Primary RegulatorOCC
Assets and Liabilities
Assets$200.59 million
Loans$108.86 million
Deposits$141.70 million
Equity Capital$56.92 million
Loan Loss Allowance$1.75 million
Unbacked Noncurrent Loans$7.48 million
Real Estate Owned$4.46 million
Historic Data - March 2013
Assets$212.53 million
Equity Capital$55.04 million
Loan Loss Allowance$1.98 million
Unbacked Noncurrent Loans$7.48 million
Real Estate Owned$2.17 million
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.96%
Return on Equity3.44%
Interest Income$1.89 million
Rates
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Mutual Savings Association, FSA Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$25k-Liquidity Manager Savings Account

Mutual Savings Association, FSA Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Senior Preferred Checking Account

Mutual Savings Association, FSA CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$2k-5 Year CD
0.50%$2k-3 Year CD
0.40%$2k-4 Year CD with Rate Protection
0.35%$2k-2 Year CD
0.25%$2k-1 Year CD
0.20%$2k-182 Day CD
0.10%$2k-91 Day CD
Locations


Mutual Savings Association, FSA Locations
Mutual Savings Association, FSA100 South 4th StLeavenworth, KS 66048
Bonner Springs Branch229 OakBonner Springs, KS 66012
Leavenworth Plaza Shopping Center Br3400 South Fourth StreetLeavenworth, KS 66048
403 East 4th Street Branch403 East 4th StreetTonganoxie, KS 66086
515 Delaware Branch515 DelawareOskaloosa, KS 66066
8th & Main Branch801 MainEudora, KS 66025