Parkvale Savings Bank

Parkvale Savings Bank is headquartered in Monroeville and is the 18^st largest bank in the state of Pennsylvania. It is also the 378^th largest bank in the nation. It was established in 1943 and as of September of 2011, it had grown to 401 employees at 47 locations. Parkvale Savings Bank has a 3-star health rating.

Parkvale Savings Bank Routing Number: 243073852

Data for Q3 2011

Institution Statistics Parkvale Savings Bank FDIC Certificate # 30237 BankRate Report View Year Established 1943 Employees 401 Primary Regulator FDIC Assets and Liabilities Assets $1.79 billion Loans $965.03 million Deposits $1.49 billion Equity Capital $141.63 million Loan Loss Allowance $12.38 million Unbacked Noncurrent Loans $29.17 million Real Estate Owned $7.20 million Historic Data - September 2010 Assets $1.82 billion Equity Capital $139.85 million Loan Loss Allowance $13.69 million Unbacked Noncurrent Loans $27.28 million Real Estate Owned $9.33 million Profit Margin - Quarterly Net Interest Margin 2.23% Return on Assets 0.45% Return on Equity 5.66% Interest Income $46.79 million

Institution Health Overall Score: 3 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 September 30, 2011 Parkvale Savings Bank had $36.37 million in non-current loans and owned real-estate with $154.02 million in equity and loan loss allowances on hand to cover it. This gives Parkvale Savings Bank a Texas Ratio of 23.62% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Parkvale Savings Bank held steady from 23.84% as of September 30, 2010 to 23.62% as of September 30, 2011, resulting in a positive change of 0.94%.This indicates that the balance sheet and financial strength for Parkvale Savings Bank has held steady in recent periods. Deposit Growth In the past year, Parkvale Savings Bank has increased its total deposits by $6.32 million, resulting in 0.43% 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 Parkvale 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. Parkvale Savings Bank has $1.79 billion in assets with $154.02 million in equity, resulting in a capitalization level of 8.59%, which is average.

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