Firstrust Savings Bank

Firstrust Savings Bank is headquartered in Conshohocken and is the 13^st largest bank in the state of Pennsylvania. It is also the 291^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 402 employees at 24 locations. Firstrust Savings Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Firstrust Savings Bank FDIC Certificate # 26647 BankRate Report View Year Established 1934 Employees 402 Primary Regulator FDIC Assets and Liabilities Assets $2.41 billion Loans $1.77 billion Deposits $1.94 billion Equity Capital $286.30 million Loan Loss Allowance $43.41 million Unbacked Noncurrent Loans $41.32 million Real Estate Owned $5.43 million Historic Data - March 2011 Assets $2.34 billion Equity Capital $258.11 million Loan Loss Allowance $58.55 million Unbacked Noncurrent Loans $38.59 million Real Estate Owned $8.29 million Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 1.07% Return on Equity 9.28% Interest Income $26.84 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 Firstrust Savings Bank had $46.75 million in non-current loans and owned real-estate with $329.7 million in equity and loan loss allowances on hand to cover it. This gives Firstrust Savings Bank a Texas Ratio of 14.18% 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 Firstrust Savings Bank held steady from 14.70% as of March 31, 2011 to 14.18% as of March 31, 2012, resulting in a positive change of 3.52%.This indicates that the balance sheet and financial strength for Firstrust Savings Bank has held steady in recent periods. Deposit Growth In the past year, Firstrust Savings Bank has increased its total deposits by $34.08 million, resulting in 1.79% 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 Firstrust Savings Bank has shown is above 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. Firstrust Savings Bank has $2.41 billion in assets with $329.7 million in equity, resulting in a capitalization level of 13.66%, which is excellent.

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