Provident Savings Bank, F.S.B.

Provident Savings Bank, F.S.B. is headquartered in Riverside and is the 43^rd largest bank in the state of California. It is also the 522^nd largest bank in the nation. It was established in 1956 and as of March of 2012, it had grown to 515 employees at 14 locations. Provident Savings Bank, F.S.B.'s savings rates are 92% higher than the national average, and it has a 4-star health rating.

Provident Savings Bank, F.S.B. Checking Account Rates

Provident Savings Bank, F.S.B. Savings Account Rates

Provident Savings Bank, F.S.B. Money Market Rates

Provident Savings Bank, F.S.B. CD Rates

Data for Q1 2012

Institution Statistics Provident Savings Bank, F.S.B. OTS # 06051 FDIC Certificate # 30879 BankRate Report View Year Established 1956 Employees 515 Primary Regulator OCC Assets and Liabilities Assets $1.29 billion Loans $1.01 billion Deposits $985.09 million Equity Capital $139.05 million Loan Loss Allowance $24.26 million Unbacked Noncurrent Loans $41.77 million Real Estate Owned $6.08 million Historic Data - March 2011 Assets $1.34 billion Equity Capital $136.71 million Loan Loss Allowance $17.50 million Unbacked Noncurrent Loans $46.78 million Real Estate Owned $10.66 million Profit Margin - Quarterly Net Interest Margin 3.02% Return on Assets 0.76% Return on Equity 7.03% Interest Income $12.66 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 Provident Savings Bank, F.S.B. had $47.85 million in non-current loans and owned real-estate with $163.3 million in equity and loan loss allowances on hand to cover it. This gives Provident Savings Bank, F.S.B. a Texas Ratio of 29.30% 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 Provident Savings Bank, F.S.B. decreased slightly from 37.25% as of March 31, 2011 to 29.30% as of March 31, 2012, resulting in a positive change of 21.33%.This indicates that the balance sheet and financial strength for Provident Savings Bank, F.S.B. has improved slightly in recent periods. Deposit Growth In the past year, Provident Savings Bank, F.S.B. has increased its total deposits by $29.89 million, resulting in 3.13% 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 Provident Savings Bank, F.S.B. has shown is above 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. Provident Savings Bank, F.S.B. has $1.29 billion in assets with $163.3 million in equity, resulting in a capitalization level of 12.69%, which is excellent.

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