Haddon Savings Bank

Haddon Savings Bank is headquartered in Haddon Heights and is the 63^rd largest bank in the state of New Jersey. It is also the 2,084^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 29 employees at 2 locations. Haddon Savings Bank's money market rates are 59% higher than the national average, and it has a 4-star health rating.

Haddon Savings Bank Routing Number: 231270858

Haddon Savings Bank Checking Account Rates

Haddon Savings Bank Savings Account Rates

Haddon Savings Bank Money Market Rates

Haddon Savings Bank CD Rates

Data for Q1 2012

Institution Statistics Haddon Savings Bank FDIC Certificate # 28222 BankRate Report View Year Established 1905 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $312.23 million Loans $100.77 million Deposits $251.61 million Equity Capital $29.22 million Loan Loss Allowance $244,000 Unbacked Noncurrent Loans $1.04 million Historic Data - March 2011 Assets $312.35 million Equity Capital $28.61 million Loan Loss Allowance $457,000 Unbacked Noncurrent Loans $491,000 Real Estate Owned $133,000 Profit Margin - Quarterly Net Interest Margin 1.59% Return on Assets 0.1% Return on Equity 1.11% Interest Income $2.07 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 Haddon Savings Bank had $1.04 million in non-current loans and owned real-estate with $29.47 million in equity and loan loss allowances on hand to cover it. This gives Haddon Savings Bank a Texas Ratio of 3.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Haddon Savings Bank held steady from 2.15% as of March 31, 2011 to 3.52% as of March 31, 2012, resulting in a negative change of 63.95%. This indicates that the balance sheet and financial strength for Haddon Savings Bank has held steady in recent periods. Deposit Growth In the past year, Haddon Savings Bank has decreased its total deposits by -$1.19 million, resulting in -0.47% 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 Haddon 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. Haddon Savings Bank has $312.23 million in assets with $29.47 million in equity, resulting in a capitalization level of 9.44%, which is average.

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