ESB Bank

ESB Bank is headquartered in Ellwood City and is the 16^st largest bank in the state of Pennsylvania. It is also the 363^rd largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 271 employees at 24 locations. ESB Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics ESB Bank FDIC Certificate # 27708 BankRate Report View Year Established 1915 Employees 271 Primary Regulator FDIC Assets and Liabilities Assets $1.94 billion Loans $660.01 million Deposits $1.19 billion Equity Capital $222.58 million Loan Loss Allowance $6.63 million Unbacked Noncurrent Loans $16.09 million Real Estate Owned $3.67 million Historic Data - March 2011 Assets $1.88 billion Equity Capital $206.03 million Loan Loss Allowance $6.60 million Unbacked Noncurrent Loans $16.27 million Real Estate Owned $953,000 Profit Margin - Quarterly Net Interest Margin 2.61% Return on Assets 0.83% Return on Equity 7.3% Interest Income $18.74 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 March 31, 2012 ESB Bank had $19.76 million in non-current loans and owned real-estate with $229.21 million in equity and loan loss allowances on hand to cover it. This gives ESB Bank a Texas Ratio of 8.62% 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 ESB Bank held steady from 8.10% as of March 31, 2011 to 8.62% as of March 31, 2012, resulting in a negative change of 6.44%. This indicates that the balance sheet and financial strength for ESB Bank has held steady in recent periods. Deposit Growth In the past year, ESB Bank has increased its total deposits by $135.34 million, resulting in 12.78% 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 ESB Bank has shown is excellent. 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. ESB Bank has $1.94 billion in assets with $229.21 million in equity, resulting in a capitalization level of 11.82%, which is above average.

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