Slovak Savings Bank

Slovak Savings Bank is headquartered in Pittsburgh and is the 179^th largest bank in the state of Pennsylvania. It is also the 5,240^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 8 employees at 1 location. Slovak Savings Bank has a 3-star health rating.

Slovak Savings Bank Routing Number: 243073959

Data for Q1 2012

Institution Statistics Slovak Savings Bank FDIC Certificate # 30431 BankRate Report View Year Established 1922 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $89.12 million Loans $73.53 million Deposits $80.00 million Equity Capital $8.61 million Loan Loss Allowance $599,000 Unbacked Noncurrent Loans $4.03 million Real Estate Owned $77,000 Historic Data - March 2011 Assets $84.71 million Equity Capital $8.40 million Loan Loss Allowance $478,000 Unbacked Noncurrent Loans $2.68 million Real Estate Owned $33,000 Profit Margin - Quarterly Net Interest Margin 2.91% Return on Assets -0.24% Return on Equity -2.45% Interest Income $1.02 million

Institution Health Overall Score: 3 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 Slovak Savings Bank had $4.1 million in non-current loans and owned real-estate with $9.21 million in equity and loan loss allowances on hand to cover it. This gives Slovak Savings Bank a Texas Ratio of 44.53% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Slovak Savings Bank increased slightly from 30.59% as of March 31, 2011 to 44.53% as of March 31, 2012, resulting in a negative change of 45.57%. This indicates that the balance sheet and financial strength for Slovak Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Slovak Savings Bank has increased its total deposits by $7.69 million, resulting in 10.63% 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 Slovak 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. Slovak Savings Bank has $89.12 million in assets with $9.21 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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