First Savings Bank Northwest

201 Wells Avenue South
Renton, WA 98057
866.372.1200
www.fsbnw.com

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First Savings Bank Northwest is headquartered in Renton and is the 14^st largest bank in the state of Washington. It is also the 717^st largest bank in the nation. It was established in 1923 and as of December of 2012, it had grown to 109 employees at 1 location. First Savings Bank Northwest has a 3-star health rating.

First Savings Bank Northwest Routing Number: 325170877

What Happened to the Add-On Certificates of Deposit? - 7/8/2010

Add-On CDs allow you to make additional deposits during the term of the CD. This has been a nice feature for depositors in the last two years as interest rates have continued to fall. They may have be ...

Competitive 18-Month Add-On CD and Savings Account at First Savings Bank Northwest in WA - Available Nationwide - 7/8/2010

First Savings Bank Northwest is offering competitive rates on a special 18-month CD and its Statement Savings Account. The special CD is called the "Grow with Us" CD. It has an 18-month term with a 1. ...

1.26% APY Savings At First Savings Bank Northwest - WA (Forum) - 7/7/2010

First Savings Bank Northwest is offering 1.26% APY savings, regardless of balance. They have maintained this yield for more than a month now, but note that rates change weekly on Thursdays, so, as always, verify rates before depositing and check back we

1.95% APY 24-Month CD (and 1.53% 13-month CD) At First Savings Bank Northwest - WA (Forum) - 7/7/2010

First Savings Bank Northwest is offering 1.95% APY for 24-month CD with $100,000 minimum balance. Lower yields for lower balances. They also have a 1.53% 13-month CD (with $100k deposit). Rates are updated weekly every Thursday, so, as a

2009

5/10 - 2.88% 18-Month Add-On CD and Other Competitive Rates at First Savings Bank Northwest in WA

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See Rates for: Checking | Savings | Money Market | CD | IRA

First Savings Bank Northwest Checking Account Rates

Apy	Min	Max	Product
0.20%	$5k	-	Green Checking
0.15%	$25k	-	Checking
0.15%	$25k	-	E-Free Checking

First Savings Bank Northwest Savings Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Statement Savings

First Savings Bank Northwest Money Market Rates

Apy	Min	Max	Product
0.20%	$100k	-	FIRST Money Market
0.20%	$100k	-	FIRST Business Premium Money Market

First Savings Bank Northwest CD Rates

Apy	Min	Max	Product
1.33%	$25k	-	48 Month CD
1.23%	$25k	-	36 Month CD
0.81%	$25k	-	30 Month CD
0.76%	$25k	-	24 Month CD
0.51%	-	-	18 Month Grow With Us CD
0.41%	$25k	-	12 Month CD
0.35%	$25k	-	9 Month CD
0.26%	$1k	-	6 Month CD
0.15%	$1k	-	3 Month CD

First Savings Bank Northwest IRA Rates

Apy	Min	Max	Product
1.33%	$25k	-	48 Month IRA
1.23%	$25k	-	36 Month IRA
0.76%	$25k	-	24 Month IRA
0.41%	$25k	-	12 Month IRA

Rates updated: 5/25/2013 * Not all products updated

Data for Q4 2012

Institution Statistics

First Savings Bank Northwest
FDIC Certificate #	29058
BankRate Report	View
Year Established	1923
Employees	109
Primary Regulator	FDIC
Assets and Liabilities
Assets	$934.23 million
Loans	$643.38 million
Deposits	$692.32 million
Equity Capital	$150.76 million
Loan Loss Allowance	$12.21 million
Unbacked Noncurrent Loans	$22.75 million
Real Estate Owned	$17.26 million
Historic Data - December 2011
Assets	$1.05 billion
Equity Capital	$146.58 million
Loan Loss Allowance	$16.21 million
Unbacked Noncurrent Loans	$23.62 million
Real Estate Owned	$25.92 million
Profit Margin - Quarterly
Net Interest Margin	3.07%
Return on Assets	0.42%
Return on Equity	2.83%
Interest Income	$40.95 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 December 31, 2012 First Savings Bank Northwest had $40.01 million in non-current loans and owned real-estate with $162.97 million in equity and loan loss allowances on hand to cover it. This gives First Savings Bank Northwest a Texas Ratio of 24.55% 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 First Savings Bank Northwest decreased slightly from 30.43% as of December 31, 2011 to 24.55% as of December 31, 2012, resulting in a positive change of 19.32%.This indicates that the balance sheet and financial strength for First Savings Bank Northwest has improved slightly in recent periods.
Deposit Growth
In the past year, First Savings Bank Northwest has decreased its total deposits by -$120.54 million, resulting in -14.83% 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 First Savings Bank Northwest has shown is poor.
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. First Savings Bank Northwest has $934.23 million in assets with $162.97 million in equity, resulting in a capitalization level of 17.44%, which is excellent.