Second Federal Savings and Loan Association of Philadelphia

Second Federal Savings and Loan Association of Philadelphia is headquartered in Philadelphia and is the 204^th largest bank in the state of Pennsylvania. It is also the 7,244^th largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 2 employees at 1 location. Second Federal Savings and Loan Association of Philadelphia has a 5-star health rating.

Data for Q1 2012

Institution Statistics Second Federal Savings and Loan Association of Philadelphia OTS # 03776 FDIC Certificate # 29627 BankRate Report View Year Established 1924 Employees 2 Primary Regulator OCC Assets and Liabilities Assets $14.64 million Loans $5.92 million Deposits $7.92 million Equity Capital $6.42 million Historic Data - March 2011 Assets $14.45 million Equity Capital $6.23 million Loan Loss Allowance $37,000 Unbacked Noncurrent Loans $6,000 Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 0.94% Return on Equity 2.13% Interest Income $137,000

Institution Health Overall Score: 5 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 Second Federal Savings and Loan Association of Philadelphia had $0 in non-current loans and owned real-estate with $6.42 million in equity and loan loss allowances on hand to cover it. This gives Second Federal Savings and Loan Association of Philadelphia a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Second Federal Savings and Loan Association of Philadelphia has decreased its total deposits by $-206,000, resulting in -2.54% 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 Second Federal Savings and Loan Association of Philadelphia has shown is below 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. Second Federal Savings and Loan Association of Philadelphia has $14.64 million in assets with $6.42 million in equity, resulting in a capitalization level of 43.81%, which is excellent.

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