Polonia Bank

Polonia Bank is headquartered in Huntingdon Valle and is the 122^nd largest bank in the state of Pennsylvania. It is also the 2,477^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 58 employees at 7 locations. Polonia Bank has a 4-star health rating.

Polonia Bank Routing Number: 236074444

Data for Q1 2012

Institution Statistics Polonia Bank OTS # 03218 FDIC Certificate # 29282 BankRate Report View Year Established 1923 Employees 58 Primary Regulator OCC Assets and Liabilities Assets $259.87 million Loans $145.02 million Deposits $203.94 million Equity Capital $27.55 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.78 million Real Estate Owned $506,000 Historic Data - March 2011 Assets $279.31 million Equity Capital $27.26 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $826,000 Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets 0.15% Return on Equity 1.47% Interest Income $2.60 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 Polonia Bank had $2.29 million in non-current loans and owned real-estate with $28.85 million in equity and loan loss allowances on hand to cover it. This gives Polonia Bank a Texas Ratio of 7.93% 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 Polonia Bank held steady from 3.20% as of March 31, 2011 to 7.93% as of March 31, 2012, resulting in a negative change of 148.18%. This indicates that the balance sheet and financial strength for Polonia Bank has held steady in recent periods. Deposit Growth In the past year, Polonia Bank has decreased its total deposits by -$14.21 million, resulting in -6.51% 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 Polonia Bank has shown is poor. 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. Polonia Bank has $259.87 million in assets with $28.85 million in equity, resulting in a capitalization level of 11.10%, which is above average.

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