Port Richmond Savings

2522 East Allegheny Avenue
Philadelphia, PA 19134
(215) 634-7000
www.prsbank.com

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Port Richmond Savings is headquartered in Philadelphia and is the 188^th largest bank in the state of Pennsylvania. It is also the 5,967^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 11 employees at 1 location. Port Richmond Savings has a 4-star health rating.

Port Richmond Savings Routing Number: 236074855

Top Long-Term CD Rates at Port Richmond Savings in Philly - Local Only - 10/8/2010

Port Richmond Savings is offering several very competitive long-term CD and IRA CD rates. These include a 3.00% APY 5-year CD, a 2.50% APY 3-year CD and a 2.25% APY 30-month CD. Minimum deposit is $50 ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Port Richmond Savings Checking Account Rates

Apy	Min	Max	Product
0.15%	$600	-	Checking
0.15%	$500	-	Smooth Sailing

Port Richmond Savings Savings Account Rates

Apy	Min	Max	Product
0.20%	$25	-	Passbook Savings
0.20%	-	-	Simply Savings

Port Richmond Savings Money Market Rates

Apy	Min	Max	Product
0.35%	$25k	-	Money Market
0.35%	$25	-	Money Market IRA
0.35%	$25	-	Money Market SEP IRA
0.35%	$25	-	Money Market Roth IRA

Port Richmond Savings CD Rates

Apy	Min	Max	Product
2.10%	$500	-	60+ Month CD
1.80%	$500	-	48 Month CD
1.50%	$500	-	36 Month CD
1.20%	$500	-	30 Month CD
0.90%	$500	-	24 Month CD
0.80%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.35%	$500	-	6 Month CD

Port Richmond Savings IRA Rates

Apy	Min	Max	Product
2.10%	$500	-	60+ Month IRA
2.10%	$500	-	60+ Month Roth IRA
2.10%	$500	-	60+ Month SEP IRA
1.80%	$500	-	48 Month IRA
1.80%	$500	-	48 Month Roth IRA
1.80%	$500	-	48 Month SEP IRA
1.50%	$500	-	36 Month IRA
1.50%	$500	-	36 Month Roth IRA
1.50%	$500	-	36 Month SEP IRA
1.20%	$500	-	30 Month IRA
1.20%	$500	-	30 Month Roth IRA
1.20%	$500	-	30 Month SEP IRA
0.90%	$500	-	24 Month IRA
0.90%	$500	-	24 Month Roth IRA
0.90%	$500	-	24 Month SEP IRA
0.80%	$500	-	18 Month IRA
0.80%	$500	-	18 Month Roth IRA
0.80%	$500	-	18 Month SEP IRA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	12 Month Roth IRA
0.50%	$500	-	12 Month SEP IRA
0.35%	$500	-	6 Month IRA
0.35%	$500	-	6 Month Roth IRA
0.35%	$500	-	6 Month SEP IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Port Richmond Savings
FDIC Certificate #	27385
BankRate Report	View
Year Established	1919
Employees	11
Primary Regulator	FDIC
Assets and Liabilities
Assets	$63.69 million
Loans	$60.86 million
Deposits	$41.00 million
Equity Capital	$9.87 million
Loan Loss Allowance	$1.27 million
Unbacked Noncurrent Loans	$874,000
Real Estate Owned	$391,000
Historic Data - March 2011
Assets	$62.33 million
Equity Capital	$9.42 million
Loan Loss Allowance	$1.11 million
Unbacked Noncurrent Loans	$620,000
Profit Margin - Quarterly
Net Interest Margin	5.63%
Return on Assets	2.38%
Return on Equity	15.75%
Interest Income	$1.10 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 Port Richmond Savings had $1.26 million in non-current loans and owned real-estate with $11.13 million in equity and loan loss allowances on hand to cover it. This gives Port Richmond Savings a Texas Ratio of 11.37% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Port Richmond Savings increased slightly from 5.89% as of March 31, 2011 to 11.37% as of March 31, 2012, resulting in a negative change of 93.03%. This indicates that the balance sheet and financial strength for Port Richmond Savings has declined slightly in recent periods.
Deposit Growth
In the past year, Port Richmond Savings has decreased its total deposits by $-257,000, resulting in -0.62% 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 Port Richmond Savings 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. Port Richmond Savings has $63.69 million in assets with $11.13 million in equity, resulting in a capitalization level of 17.48%, which is excellent.