Crest Savings Bank

Crest Savings Bank is headquartered in Wildwood and is the 53^rd largest bank in the state of New Jersey. It is also the 1,724^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 77 employees at 8 locations. Crest Savings Bank has a 5-star health rating.

Crest Savings Bank Routing Number: 231271501

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Data for Q1 2012

Institution Statistics Crest Savings Bank OTS # 02422 FDIC Certificate # 28818 BankRate Report View Year Established 1919 Employees 77 Primary Regulator FDIC Assets and Liabilities Assets $386.61 million Loans $322.47 million Deposits $309.37 million Equity Capital $32.73 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $1.84 million Historic Data - March 2011 Assets $373.51 million Equity Capital $28.91 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $1.24 million Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 0.52% Return on Equity 6.17% Interest Income $4.21 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 Crest Savings Bank had $1.84 million in non-current loans and owned real-estate with $35.01 million in equity and loan loss allowances on hand to cover it. This gives Crest Savings Bank a Texas Ratio of 5.25% 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 Crest Savings Bank held steady from 4.03% as of March 31, 2011 to 5.25% as of March 31, 2012, resulting in a negative change of 30.36%. This indicates that the balance sheet and financial strength for Crest Savings Bank has held steady in recent periods. Deposit Growth In the past year, Crest Savings Bank has increased its total deposits by $10.84 million, resulting in 3.63% 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 Crest 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. Crest Savings Bank has $386.61 million in assets with $35.01 million in equity, resulting in a capitalization level of 9.06%, which is average.

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