Sewickley Savings Bank

Sewickley Savings Bank is headquartered in Sewickley and is the 101^st largest bank in the state of Pennsylvania. It is also the 2,024^th largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 23 employees at 3 locations. Sewickley Savings Bank has a 5-star health rating.

Sewickley Savings Bank Routing Number: 243374124

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Data for Q1 2012

Institution Statistics Sewickley Savings Bank FDIC Certificate # 30154 BankRate Report View Year Established 1884 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $322.70 million Loans $50.95 million Deposits $245.88 million Equity Capital $74.98 million Loan Loss Allowance $977,000 Unbacked Noncurrent Loans $1.46 million Real Estate Owned $313,000 Historic Data - March 2011 Assets $298.32 million Equity Capital $71.62 million Loan Loss Allowance $877,000 Unbacked Noncurrent Loans $1.56 million Real Estate Owned $234,000 Profit Margin - Quarterly Net Interest Margin 1.85% Return on Assets 0.69% Return on Equity 2.93% Interest Income $2.27 million

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 Sewickley Savings Bank had $1.77 million in non-current loans and owned real-estate with $75.96 million in equity and loan loss allowances on hand to cover it. This gives Sewickley Savings Bank a Texas Ratio of 2.33% 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 Sewickley Savings Bank held steady from 2.48% as of March 31, 2011 to 2.33% as of March 31, 2012, resulting in a positive change of 5.99%.This indicates that the balance sheet and financial strength for Sewickley Savings Bank has held steady in recent periods. Deposit Growth In the past year, Sewickley Savings Bank has increased its total deposits by $23.19 million, resulting in 10.42% 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 Sewickley Savings Bank has shown is excellent. 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. Sewickley Savings Bank has $322.7 million in assets with $75.96 million in equity, resulting in a capitalization level of 23.54%, which is excellent.

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