Mutual Savings Association, FSA

Mutual Savings Association, FSA is headquartered in Leavenworth and is the 62^nd largest bank in the state of Kansas. It is also the 2,947^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 52 employees at 6 locations. Mutual Savings Association, FSA has a 3-star health rating.

Mutual Savings Association, FSA Checking Account Rates

Mutual Savings Association, FSA Savings Account Rates

Mutual Savings Association, FSA CD Rates

Data for Q1 2012

Institution Statistics Mutual Savings Association, FSA OTS # 04492 FDIC Certificate # 29988 BankRate Report View Year Established 1888 Employees 52 Primary Regulator OCC Assets and Liabilities Assets $215.86 million Loans $118.58 million Deposits $157.65 million Equity Capital $52.22 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $10.74 million Real Estate Owned $2.52 million Historic Data - March 2011 Assets $236.45 million Equity Capital $53.07 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $6.31 million Real Estate Owned $2.91 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.61% Return on Equity 2.59% Interest Income $2.52 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 Mutual Savings Association, FSA had $13.26 million in non-current loans and owned real-estate with $53.69 million in equity and loan loss allowances on hand to cover it. This gives Mutual Savings Association, FSA a Texas Ratio of 24.69% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mutual Savings Association, FSA increased slightly from 17.00% as of March 31, 2011 to 24.69% as of March 31, 2012, resulting in a negative change of 45.25%. This indicates that the balance sheet and financial strength for Mutual Savings Association, FSA has declined slightly in recent periods. Deposit Growth In the past year, Mutual Savings Association, FSA has decreased its total deposits by -$13.77 million, resulting in -8.03% 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 poor. 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. Mutual Savings Association, FSA has $215.86 million in assets with $53.69 million in equity, resulting in a capitalization level of 24.87%, which is excellent.

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