Milton Savings Bank

Milton Savings Bank is headquartered in Milton and is the 186^th largest bank in the state of Pennsylvania. It is also the 5,772^nd largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 10 employees at 1 location. Milton Savings Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Milton Savings Bank Routing Number: 231372921

Milton Savings Bank Checking Account Rates

Milton Savings Bank Savings Account Rates

Milton Savings Bank Money Market Rates

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Data for Q1 2012

Institution Statistics Milton Savings Bank OTS # 02007 FDIC Certificate # 28637 BankRate Report View Year Established 1920 Employees 10 Primary Regulator OCC Assets and Liabilities Assets $69.89 million Loans $51.58 million Deposits $57.84 million Equity Capital $11.76 million Loan Loss Allowance $506,000 Unbacked Noncurrent Loans $321,000 Real Estate Owned $40,000 Historic Data - March 2011 Assets $68.68 million Equity Capital $10.95 million Loan Loss Allowance $497,000 Unbacked Noncurrent Loans $287,000 Real Estate Owned $78,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 1.1% Return on Equity 6.51% Interest Income $820,000

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 Milton Savings Bank had $361,000 in non-current loans and owned real-estate with $12.26 million in equity and loan loss allowances on hand to cover it. This gives Milton Savings Bank a Texas Ratio of 2.94% 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 Milton Savings Bank held steady from 3.19% as of March 31, 2011 to 2.94% as of March 31, 2012, resulting in a positive change of 7.65%.This indicates that the balance sheet and financial strength for Milton Savings Bank has held steady in recent periods. Deposit Growth In the past year, Milton Savings Bank has increased its total deposits by $419,000, resulting in 0.73% 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 Milton 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. Milton Savings Bank has $69.89 million in assets with $12.26 million in equity, resulting in a capitalization level of 17.55%, which is excellent.

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