Gateway Bank of Pennsylvania

3402 Washington Road
Mc Murray, PA 15317
www.gatewaybankpa.com

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Gateway Bank of Pennsylvania is headquartered in Mc Murray and is the 164^th largest bank in the state of Pennsylvania. It is also the 4,371^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 19 employees at 2 locations. Gateway Bank of Pennsylvania has a 5-star health rating.

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

Gateway Bank of Pennsylvania Checking Account Rates

Apy	Min	Max	Product
0.25%	-	-	Premier Checking Account
0.25%	-	-	Business Interest Checking Account
0.25%	-	-	Attorney IOLTA Checking Account

Gateway Bank of Pennsylvania Savings Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Statement Savings Account

Gateway Bank of Pennsylvania Money Market Rates

Apy	Min	Max	Product
0.45%	$1m	-	Consumer Money Market Account
0.45%	$1m	-	Business Money Market Account

Gateway Bank of Pennsylvania CD Rates

Apy	Min	Max	Product
1.51%	$1k	-	10 Year Certificate
1.26%	$1k	-	5 Year Certificate
1.00%	$1k	-	3 Year Certificate
0.75%	$1k	-	2 Year Certificate
0.50%	$1k	-	1 Year Certificate
0.50%	$1k	-	12-Month Customer Choice CD
0.50%	$1k	-	13- Month Customer Choice CD
0.50%	$1k	-	14-Month Customer Choice CD
0.50%	$1k	-	15-Month Customer Choice CD
0.40%	$1k	-	8-Month Customer Choice CD
0.40%	$1k	-	9-Month Customer Choice CD
0.40%	$1k	-	10-Month Customer Choice CD
0.40%	$1k	-	11-Month Customer Choice CD

Gateway Bank of Pennsylvania IRA Rates

Apy	Min	Max	Product
1.51%	$1k	-	10 Year IRA Certificate
1.26%	$1k	-	5-6 Year IRA Certificate
1.00%	$1k	-	3-4 Year IRA Certificate
0.75%	$1k	-	2 Year IRA Certificate
0.50%	$1k	-	1 Year IRA Certificate
0.50%	$1k	-	12-Month Customer Choice IRA
0.50%	$1k	-	13-Month Customer Choice IRA
0.50%	$1k	-	14-Month Customer Choice IRA
0.50%	$1k	-	15-Month Customer Choice IRA
0.40%	$1k	-	8-Month Customer Choice IRA
0.40%	$1k	-	9-Month Customer Choice IRA
0.40%	$1k	-	10-Month Customer Choice IRA
0.40%	$1k	-	11-Month Customer Choice IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Gateway Bank of Pennsylvania
FDIC Certificate #	57615
BankRate Report	View
Year Established	2004
Employees	19
Primary Regulator	FDIC
Assets and Liabilities
Assets	$124.11 million
Loans	$100.04 million
Deposits	$100.55 million
Equity Capital	$15.38 million
Loan Loss Allowance	$1.45 million
Historic Data - March 2011
Assets	$121.38 million
Equity Capital	$14.43 million
Loan Loss Allowance	$1.42 million
Unbacked Noncurrent Loans	$27,000
Profit Margin - Quarterly
Net Interest Margin	3.44%
Return on Assets	0.58%
Return on Equity	4.61%
Interest Income	$1.20 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 Gateway Bank of Pennsylvania had $0 in non-current loans and owned real-estate with $16.83 million in equity and loan loss allowances on hand to cover it. This gives Gateway Bank of Pennsylvania a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Gateway Bank of Pennsylvania has decreased its total deposits by -$4.12 million, resulting in -3.94% 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 Gateway Bank of Pennsylvania 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. Gateway Bank of Pennsylvania has $124.11 million in assets with $16.83 million in equity, resulting in a capitalization level of 13.56%, which is excellent.

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