C&G Savings Bank

C&G Savings Bank is headquartered in Altoona and is the 157^th largest bank in the state of Pennsylvania. It is also the 4,128^th largest bank in the nation. It was established in 1939 and as of March of 2012, it had grown to 40 employees at 6 locations. C&G Savings Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics C&G Savings Bank FDIC Certificate # 30119 BankRate Report View Year Established 1939 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $135.68 million Loans $92.85 million Deposits $106.44 million Equity Capital $17.98 million Loan Loss Allowance $642,000 Unbacked Noncurrent Loans $592,000 Real Estate Owned $444,000 Historic Data - March 2011 Assets $131.36 million Equity Capital $17.53 million Loan Loss Allowance $687,000 Unbacked Noncurrent Loans $982,000 Real Estate Owned $160,000 Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets 0.35% Return on Equity 2.65% Interest Income $1.37 million

Institution Health Overall Score: 5 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 March 31, 2012 C&G Savings Bank had $1.04 million in non-current loans and owned real-estate with $18.62 million in equity and loan loss allowances on hand to cover it. This gives C&G Savings Bank a Texas Ratio of 5.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for C&G Savings Bank held steady from 6.27% as of March 31, 2011 to 5.56% as of March 31, 2012, resulting in a positive change of 11.28%.This indicates that the balance sheet and financial strength for C&G Savings Bank has held steady in recent periods. Deposit Growth In the past year, C&G Savings Bank has increased its total deposits by $1.56 million, resulting in 1.49% 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 C&G 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. C&G Savings Bank has $135.68 million in assets with $18.62 million in equity, resulting in a capitalization level of 13.73%, which is excellent.

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