The Federal Savings Bank

The Federal Savings Bank is headquartered in Overland Park and is the 58^th largest bank in the state of Kansas. It is also the 2,691^st largest bank in the nation. It was established in 2000 and as of December of 2012, it had grown to 472 employees at 1 location. The Federal Savings Bank has a 5-star health rating.

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Data for Q4 2012

Institution Statistics The Federal Savings Bank OTS # 16195 FDIC Certificate # 35518 BankRate Report View Year Established 2000 Employees 472 Primary Regulator OCC Assets and Liabilities Assets $237.82 million Loans $213.31 million Deposits $168.24 million Equity Capital $22.18 million Loan Loss Allowance $208,000 Unbacked Noncurrent Loans $121,000 Real Estate Owned $329,000 Historic Data - December 2011 Assets $72.85 million Equity Capital $6.83 million Loan Loss Allowance $175,000 Unbacked Noncurrent Loans $27,000 Real Estate Owned $588,000 Profit Margin - Quarterly Net Interest Margin 2.91% Return on Assets 9.53% Return on Equity 109.31% Interest Income $4.74 million

Institution Health Overall Score: 5 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 December 31, 2012 The Federal Savings Bank had $450,000 in non-current loans and owned real-estate with $22.39 million in equity and loan loss allowances on hand to cover it. This gives The Federal Savings Bank a Texas Ratio of 2.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Federal Savings Bank decreased significantly from 8.78% as of December 31, 2011 to 2.01% as of December 31, 2012, resulting in a positive change of 77.12%.This indicates that the balance sheet and financial strength for The Federal Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, The Federal Savings Bank has increased its total deposits by $118.93 million, resulting in 241.18% 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 The Federal Savings Bank 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. The Federal Savings Bank has $237.82 million in assets with $22.39 million in equity, resulting in a capitalization level of 9.42%, which is average.

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