Fidelity Savings and Loan Association of Bucks Co

Fidelity Savings and Loan Association of Bucks Co is headquartered in Bristol and is the 170^th largest bank in the state of Pennsylvania. It is also the 4,661^st largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 20 employees at 3 locations. Fidelity Savings and Loan Association of Bucks Co's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Fidelity Savings and Loan Association of Bucks Co Checking Account Rates

Fidelity Savings and Loan Association of Bucks Co Savings Account Rates

Fidelity Savings and Loan Association of Bucks Co Money Market Rates

Fidelity Savings and Loan Association of Bucks Co CD Rates

Fidelity Savings and Loan Association of Bucks Co IRA Rates

Data for Q1 2012

Institution Statistics Fidelity Savings and Loan Association of Bucks Co OTS # 06167 FDIC Certificate # 30954 BankRate Report View Year Established 1885 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $112.31 million Loans $66.88 million Deposits $99.58 million Equity Capital $12.34 million Loan Loss Allowance $463,000 Unbacked Noncurrent Loans $625,000 Real Estate Owned $304,000 Historic Data - March 2011 Assets $104.26 million Equity Capital $11.74 million Loan Loss Allowance $385,000 Unbacked Noncurrent Loans $593,000 Real Estate Owned $547,000 Profit Margin - Quarterly Net Interest Margin 2.87% Return on Assets 0.41% Return on Equity 3.68% Interest Income $1.10 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 Fidelity Savings and Loan Association of Bucks Co had $929,000 in non-current loans and owned real-estate with $12.8 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Savings and Loan Association of Bucks Co a Texas Ratio of 7.26% 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 Fidelity Savings and Loan Association of Bucks Co decreased slightly from 9.40% as of March 31, 2011 to 7.26% as of March 31, 2012, resulting in a positive change of 22.82%.This indicates that the balance sheet and financial strength for Fidelity Savings and Loan Association of Bucks Co has improved slightly in recent periods. Deposit Growth In the past year, Fidelity Savings and Loan Association of Bucks Co has increased its total deposits by $7.38 million, resulting in 8% 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 Fidelity Savings and Loan Association of Bucks Co 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. Fidelity Savings and Loan Association of Bucks Co has $112.31 million in assets with $12.8 million in equity, resulting in a capitalization level of 11.40%, which is above average.

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