Fidelity Savings Bank (PA)

Fidelity Savings Bank (PA) is headquartered in Pittsburgh and is the 53^rd largest bank in the state of Pennsylvania. It is also the 1,002^nd largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 152 employees at 13 locations. Fidelity Savings Bank (PA) has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Fidelity Savings Bank FDIC Certificate # 28038 BankRate Report View Year Established 1882 Employees 152 Primary Regulator FDIC Assets and Liabilities Assets $661.17 million Loans $341.34 million Deposits $476.04 million Equity Capital $55.35 million Loan Loss Allowance $3.86 million Unbacked Noncurrent Loans $12.26 million Real Estate Owned $7.16 million Historic Data - March 2011 Assets $679.65 million Equity Capital $52.88 million Loan Loss Allowance $6.17 million Unbacked Noncurrent Loans $13.34 million Real Estate Owned $1.30 million Profit Margin - Quarterly Net Interest Margin 2.38% Return on Assets 0.33% Return on Equity 4.01% Interest Income $5.99 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 Fidelity Savings Bank (PA) had $19.42 million in non-current loans and owned real-estate with $59.21 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Savings Bank (PA) a Texas Ratio of 32.81% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fidelity Savings Bank (PA) increased slightly from 24.80% as of March 31, 2011 to 32.81% as of March 31, 2012, resulting in a negative change of 32.31%. This indicates that the balance sheet and financial strength for Fidelity Savings Bank (PA) has declined slightly in recent periods. Deposit Growth In the past year, Fidelity Savings Bank (PA) has increased its total deposits by $26.12 million, resulting in 5.81% 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 Bank (PA) 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 Bank (PA) has $661.17 million in assets with $59.21 million in equity, resulting in a capitalization level of 8.96%, which is average.

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