Report Summary

First Federal Bankshares, Inc. (the Company) is a Delaware corporation that serves as the holding company for First Federal Bank, a federally-chartered stock savings bank headquartered in Sioux City, Iowa (the Bank). The Bank s primary business is community banking which is attracting retail and commercial deposits from the general public and originating mortgage, consumer, commercial, and other loans within its primary market areas. The Bank s primary lending area includes northwest and central Iowa and contiguous portions of Nebraska and South Dakota. In addition, the Bank also purchases and/or participates in loans from third-party financial institutions and invests in mortgage-backed and related securities, securities issued by the U.S. government or government-sponsored entities, local governments, and private entities. In addition to customer deposits, the Bank obtains funding from the FHLB of Des Moines.

These FIRST FEDERAL BANKSHARES company profiles provided detailed financial data and key credit information. FIRST FEDERAL BANKSHARES predominantly operates in the Savings Institutions, Federally Chartered sector. First Federal Bankshares, Inc. (the Company) is a Delaware corporation that serves as the holding company for First Federal Bank, a federally-chartered stock savings bank headquartered in Sioux City, Iowa (the Bank). The Bank s primary business is community banking which is attracting retail and commercial deposits from the general public and originating mortgage, consumer, commercial, and other loans within its primary market areas. The Bank s primary lending area includes northwest and central Iowa and contiguous portions of Nebraska and South Dakota. In addition, the Bank also purchases and/or participates in loans from third-party financial institutions and invests in mortgage-backed and related securities, securities issued by the U.S. government or government-sponsored entities, local governments, and private entities. In addition to customer deposits, the Bank obtains funding from the FHLB of Des Moines.

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FIRST FEDERAL BANKSHARES Quickview Report - A snapshot containing company description, key financial data items and ratios. The report provides a quick company overview for three years, presented in a one page standard company report. Data is presented in local currency and in a standardised GAAP format for easy comparison.

FIRST FEDERAL BANKSHARES Trader Report - A trading document with concise and objective company information in a consistent format, designed to answer basic trading needs. This report covers six years of financial information and includes shares information, major shareholders, income statement and balance sheet data in addition to key financial ratios.

FIRST FEDERAL BANKSHARES Dossier Report - Gives you 10 years of financial history up to 150 lines of numerical data, including analytic ratios presented in a five page standard company report. Substantial supplementary information including subsidiaries, directors, major shareholders as well as business and geographical breakdown is also covered.

FIRST FEDERAL BANKSHARES Business Risk Report - A one-page standard business risk measurement report. The report provides peer-to-peer comparisons of business risk factor analyses including operating, strategic, asset, size & diversity, overall adjustment and industry standard deviation.

FIRST FEDERAL BANKSHARES Credit Risk Report - Provides an analysis of a company's creditworthiness and debt capacity including a rating and a number of standard ratios analysis & model results. The report includes an analysis of a company's creditworthiness and debt capacity by using a methodology based on well-established academic research. It provides peer-to-peer comparisons of credit risk factors analyses including credit rating, other standard credit scoring measurements, non-financial information, subsidiaries, major shareholders, profitability, interest coverage, capitalization and debt service capacity, liquidity, balance sheet and income statement.