Allegheny Valley Bank of Pittsburgh

Allegheny Valley Bank of Pittsburgh is headquartered in Pittsburgh and is the 86^th largest bank in the state of Pennsylvania. It is also the 1,621^st largest bank in the nation. It was established in 1900 and as of December of 2011, it had grown to 96 employees at 9 locations. Allegheny Valley Bank of Pittsburgh has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Allegheny Valley Bank of Pittsburgh FDIC Certificate # 6058 BankRate Report View Year Established 1900 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $407.36 million Loans $256.74 million Deposits $335.56 million Equity Capital $43.44 million Loan Loss Allowance $4.06 million Unbacked Noncurrent Loans $5.81 million Real Estate Owned $37,000 Historic Data - December 2010 Assets $408.74 million Equity Capital $41.28 million Loan Loss Allowance $3.79 million Unbacked Noncurrent Loans $5.29 million Real Estate Owned $40,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.7% Return on Equity 6.77% Interest Income $17.37 million

Institution Health Overall Score: 4 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, 2011 Allegheny Valley Bank of Pittsburgh had $5.85 million in non-current loans and owned real-estate with $47.5 million in equity and loan loss allowances on hand to cover it. This gives Allegheny Valley Bank of Pittsburgh a Texas Ratio of 12.32% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Allegheny Valley Bank of Pittsburgh held steady from 11.82% as of December 31, 2010 to 12.32% as of December 31, 2011, resulting in a negative change of 4.24%. This indicates that the balance sheet and financial strength for Allegheny Valley Bank of Pittsburgh has held steady in recent periods. Deposit Growth In the past year, Allegheny Valley Bank of Pittsburgh has decreased its total deposits by $-30,000, resulting in -0.01% 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 Allegheny Valley Bank of Pittsburgh has shown is average. 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. Allegheny Valley Bank of Pittsburgh has $407.36 million in assets with $47.5 million in equity, resulting in a capitalization level of 11.66%, which is above average.

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