First Savings Bank of Perkasie

First Savings Bank of Perkasie is headquartered in Perkasie and is the 30^th largest bank in the state of Pennsylvania. It is also the 669^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 184 employees at 12 locations. First Savings Bank of Perkasie has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First Savings Bank of Perkasie FDIC Certificate # 30401 BankRate Report View Year Established 1922 Employees 184 Primary Regulator FDIC Assets and Liabilities Assets $987.23 million Loans $645.47 million Deposits $682.42 million Equity Capital $144.80 million Loan Loss Allowance $18.33 million Unbacked Noncurrent Loans $37.77 million Real Estate Owned $3.70 million Historic Data - March 2011 Assets $1.03 billion Equity Capital $150.67 million Loan Loss Allowance $12.63 million Unbacked Noncurrent Loans $31.56 million Real Estate Owned $4.83 million Profit Margin - Quarterly Net Interest Margin 2.92% Return on Assets 0.65% Return on Equity 4.51% Interest Income $9.83 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 First Savings Bank of Perkasie had $41.47 million in non-current loans and owned real-estate with $163.14 million in equity and loan loss allowances on hand to cover it. This gives First Savings Bank of Perkasie a Texas Ratio of 25.42% 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 of Perkasie held steady from 22.28% as of March 31, 2011 to 25.42% as of March 31, 2012, resulting in a negative change of 14.08%. This indicates that the balance sheet and financial strength for First Savings Bank of Perkasie has held steady in recent periods. Deposit Growth In the past year, First Savings Bank of Perkasie has decreased its total deposits by -$11.34 million, resulting in -1.63% 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 First Savings Bank of Perkasie has shown is below 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. First Savings Bank of Perkasie has $987.23 million in assets with $163.14 million in equity, resulting in a capitalization level of 16.52%, which is excellent.

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