GSL Savings Bank

6823 Bergenline Ave
Guttenberg, NJ 7093
(201) 869-9300
www.gslsavingsbank.com

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GSL Savings Bank is headquartered in Guttenberg and is the 109^th largest bank in the state of New Jersey. It is also the 5,149^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 17 employees at 2 locations. GSL Savings Bank has a 5-star health rating.

GSL Savings Bank Routing Number: 221270525

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

GSL Savings Bank Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$100	-	Now Checking Account

GSL Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.30%	$50	-	Savings Account
0.30%	$50	-	IRA Savings
0.30%	$50	-	Rent Security Account
0.25%	$50	-	Holiday Club Account

GSL Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.41%	$1,500	-	Super Money Market Account

GSL Savings Bank CD Rates

Apy	Min	Max	Product
1.69%	$500	-	60 Month Fixed CD
1.02%	$500	-	24 Month Fixed CD
1.02%	$500	-	30 Month Fixed CD
0.81%	$500	-	18 Month Fixed CD
0.71%	$500	-	15 Month Fixed CD
0.66%	$500	-	12 Month Fixed CD
0.46%	$500	-	7 Month Fixed CD
0.46%	$500	-	9 Month Fixed CD
0.41%	$500	-	6 Month Fixed CD
0.30%	$500	-	3 Month Fixed CD

GSL Savings Bank IRA Rates

Apy	Min	Max	Product
1.07%	$500	-	18 Month Variable IRA
1.02%	$500	-	24 Month Fixed IRA
1.02%	$500	-	30 Month Fixed IRA
0.81%	$500	-	18 Month Fixed IRA
0.66%	$500	-	12 Month Fixed IRA
0.41%	$500	-	6 Month Fixed IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

GSL Savings Bank
FDIC Certificate #	28708
BankRate Report	View
Year Established	1907
Employees	17
Primary Regulator	FDIC
Assets and Liabilities
Assets	$92.58 million
Loans	$26.54 million
Deposits	$76.31 million
Equity Capital	$14.62 million
Loan Loss Allowance	$385,000
Unbacked Noncurrent Loans	$365,000
Historic Data - March 2011
Assets	$92.86 million
Equity Capital	$14.42 million
Loan Loss Allowance	$373,000
Profit Margin - Quarterly
Net Interest Margin	2.84%
Return on Assets	-0.01%
Return on Equity	-0.08%
Interest Income	$813,000

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 GSL Savings Bank had $365,000 in non-current loans and owned real-estate with $15.01 million in equity and loan loss allowances on hand to cover it. This gives GSL Savings Bank a Texas Ratio of 2.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, GSL Savings Bank has decreased its total deposits by $-369,000, resulting in -0.48% 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 GSL Savings Bank has shown is 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. GSL Savings Bank has $92.58 million in assets with $15.01 million in equity, resulting in a capitalization level of 16.21%, which is excellent.

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