Coatesville Savings Bank

Coatesville Savings Bank is headquartered in Coatesville and is the 138^th largest bank in the state of Pennsylvania. It is also the 3,087^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 30 employees at 4 locations. Coatesville Savings Bank's money market rates are 70% higher than the national average, and it has a 3-star health rating.

Coatesville Savings Bank Routing Number: 231372028

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Data for Q1 2012

Institution Statistics Coatesville Savings Bank FDIC Certificate # 30085 BankRate Report View Year Established 1919 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $202.34 million Loans $155.97 million Deposits $159.98 million Equity Capital $14.73 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $4.09 million Historic Data - March 2011 Assets $202.42 million Equity Capital $14.43 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $4.90 million Real Estate Owned $244,000 Profit Margin - Quarterly Net Interest Margin 2.16% Return on Assets 0.15% Return on Equity 2.01% Interest Income $2.26 million

Institution Health Overall Score: 3 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 Coatesville Savings Bank had $4.09 million in non-current loans and owned real-estate with $16.26 million in equity and loan loss allowances on hand to cover it. This gives Coatesville Savings Bank a Texas Ratio of 25.17% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Coatesville Savings Bank decreased slightly from 32.40% as of March 31, 2011 to 25.17% as of March 31, 2012, resulting in a positive change of 22.32%.This indicates that the balance sheet and financial strength for Coatesville Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Coatesville Savings Bank has increased its total deposits by $1.18 million, resulting in 0.74% 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 Coatesville Savings Bank 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. Coatesville Savings Bank has $202.34 million in assets with $16.26 million in equity, resulting in a capitalization level of 8.04%, which is average.

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