Altoona First Savings Bank

Altoona First Savings Bank is headquartered in Altoona and is the 139^th largest bank in the state of Pennsylvania. It is also the 2,969^th largest bank in the nation. It was established in 1927 and as of December of 2011, it had grown to 49 employees at 6 locations. Altoona First Savings Bank has a 4-star health rating.

Altoona First Savings Bank Routing Number: 231371595

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Data for Q4 2011

Institution Statistics Altoona First Savings Bank FDIC Certificate # 27711 BankRate Report View Year Established 1927 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $210.48 million Loans $145.74 million Deposits $184.88 million Equity Capital $23.73 million Loan Loss Allowance $940,000 Unbacked Noncurrent Loans $1.80 million Real Estate Owned $1.02 million Historic Data - December 2010 Assets $201.19 million Equity Capital $22.42 million Loan Loss Allowance $960,000 Unbacked Noncurrent Loans $446,000 Real Estate Owned $1.10 million Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.63% Return on Equity 5.65% Interest Income $9.54 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 Altoona First Savings Bank had $2.82 million in non-current loans and owned real-estate with $24.67 million in equity and loan loss allowances on hand to cover it. This gives Altoona First Savings Bank a Texas Ratio of 11.43% 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 Altoona First Savings Bank held steady from 6.60% as of December 31, 2010 to 11.43% as of December 31, 2011, resulting in a negative change of 73.28%. This indicates that the balance sheet and financial strength for Altoona First Savings Bank has held steady in recent periods. Deposit Growth In the past year, Altoona First Savings Bank has increased its total deposits by $6.93 million, resulting in 3.89% 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 Altoona First Savings Bank has shown is above 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. Altoona First Savings Bank has $210.48 million in assets with $24.67 million in equity, resulting in a capitalization level of 11.72%, which is above average.

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