First Federal Savings Bank

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Fellow Stockholders, For more than three years our national economy has been mired by high unemployment, low consumer demand for durable goods, a lagging housing market and investment rates of return less than 1.00%. Although not many new jobs are being created in southwestern Indiana, our unemployment rate seems to be stabilizing as fewer companies are laying off employees. In 2009, 140 banks insured by the Federal Deposit Insurance Corporation (FDIC) failed, and that number increased to 156 in 2010. As of this writing, 71 banks have been closed in 2011.

Our reporting capabilities are designed to meet your business needs. In addition to online balance capabilities, you can view prior day and current day activity as well as up to 63 days of history detail.

Working Capital Lines of Credit are carefully designed for the specific needs of your business. A Working Capital Line of Credit is the ultimate answer to funding periodic changes in receivables and inventory.

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