RSI BANK

RSI BANK is headquartered in Rahway and is the 48^th largest bank in the state of New Jersey. It is also the 1,368^th largest bank in the nation. It was established in 1851 and as of March of 2012, it had grown to 79 employees at 4 locations. RSI BANK has a 4-star health rating.

RSI BANK Routing Number: 221272439

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Data for Q1 2012

Institution Statistics RSI BANK FDIC Certificate # 12017 BankRate Report View Year Established 1851 Employees 79 Primary Regulator FDIC Assets and Liabilities Assets $494.32 million Loans $219.97 million Deposits $396.30 million Equity Capital $71.93 million Loan Loss Allowance $3.77 million Unbacked Noncurrent Loans $6.30 million Real Estate Owned $233,000 Historic Data - March 2011 Assets $491.14 million Equity Capital $70.61 million Loan Loss Allowance $3.12 million Unbacked Noncurrent Loans $8.06 million Profit Margin - Quarterly Net Interest Margin 2.99% Return on Assets 0.45% Return on Equity 3.11% Interest Income $4.31 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 RSI BANK had $6.53 million in non-current loans and owned real-estate with $75.69 million in equity and loan loss allowances on hand to cover it. This gives RSI BANK a Texas Ratio of 8.63% 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 RSI BANK decreased slightly from 10.93% as of March 31, 2011 to 8.63% as of March 31, 2012, resulting in a positive change of 21.07%.This indicates that the balance sheet and financial strength for RSI BANK has improved slightly in recent periods. Deposit Growth In the past year, RSI BANK has increased its total deposits by $1.32 million, resulting in 0.33% 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 RSI 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. RSI BANK has $494.32 million in assets with $75.69 million in equity, resulting in a capitalization level of 15.31%, which is excellent.

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