Indiana First Savings Bank

Indiana First Savings Bank is headquartered in Indiana and is the 117^st largest bank in the state of Pennsylvania. It is also the 2,308^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 70 employees at 5 locations. Indiana First Savings Bank has a 5-star health rating.

Indiana First Savings Bank Routing Number: 243373358

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Data for Q1 2012

Institution Statistics Indiana First Savings Bank FDIC Certificate # 27763 BankRate Report View Year Established 1922 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $280.52 million Loans $216.65 million Deposits $239.59 million Equity Capital $27.26 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $573,000 Real Estate Owned $566,000 Historic Data - March 2011 Assets $259.43 million Equity Capital $25.08 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $1.14 million Real Estate Owned $34,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 0.61% Return on Equity 6.18% Interest Income $3.05 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 Indiana First Savings Bank had $1.14 million in non-current loans and owned real-estate with $29.41 million in equity and loan loss allowances on hand to cover it. This gives Indiana First Savings Bank a Texas Ratio of 3.87% 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 Indiana First Savings Bank held steady from 4.36% as of March 31, 2011 to 3.87% as of March 31, 2012, resulting in a positive change of 11.22%.This indicates that the balance sheet and financial strength for Indiana First Savings Bank has held steady in recent periods. Deposit Growth In the past year, Indiana First Savings Bank has increased its total deposits by $18.29 million, resulting in 8.26% 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 Indiana First Savings Bank has shown is excellent. 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. Indiana First Savings Bank has $280.52 million in assets with $29.41 million in equity, resulting in a capitalization level of 10.48%, which is above average.

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