Capitol Federal Financial is a federally chartered mid-tier mutual holding company. Capitol Federal Financial, Inc. is a wholly owned subsidiary of the Company. Capitol Federal Savings Bank (the Bank) is a wholly owned subsidiary of the Company, which is majority-owned by Capitol Federal Savings Bank MHC (MHC), a mutual holding company and majority-owner of Capitol Federal Financial. The Bank is a federally-chartered and insured savings bank. As of September 30, 2010, it had total assets of $8.49 billion, loans of $5.17 billion, deposits of $4.39 billion and total equity of $962 million. It offers a range of financial services. It attracts retail deposits from the general public and invests those funds in permanent loans secured by first mortgages on owner-occupied, one- to four-family residences. It also originates consumer loans, loans secured by first mortgages, multi-family and commercial real estate loans and construction loans.