Monument Bank (PA)

Monument Bank (PA) is headquartered in Doylestown and is the 143^rd largest bank in the state of Pennsylvania. It is also the 3,313^st largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 27 employees at 2 locations. Monument Bank (PA)'s savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Monument Bank FDIC Certificate # 58757 BankRate Report View Year Established 2008 Employees 27 Primary Regulator FED Assets and Liabilities Assets $185.10 million Loans $83.36 million Deposits $133.54 million Equity Capital $17.92 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $472,000 Historic Data - March 2011 Assets $141.05 million Equity Capital $12.53 million Loan Loss Allowance $703,000 Profit Margin - Quarterly Net Interest Margin 2.8% Return on Assets 0.5% Return on Equity 5.1% Interest Income $1.78 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 Monument Bank (PA) had $472,000 in non-current loans and owned real-estate with $19 million in equity and loan loss allowances on hand to cover it. This gives Monument Bank (PA) a Texas Ratio of 2.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Monument Bank (PA) has increased its total deposits by $35.02 million, resulting in 35.54% 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 Monument Bank (PA) 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. Monument Bank (PA) has $185.1 million in assets with $19 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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