Slovenian Savings and Loan Association of Franklin-Conemaugh

Slovenian Savings and Loan Association of Franklin-Conemaugh is headquartered in Conemaugh and is the 158^th largest bank in the state of Pennsylvania. It is also the 4,173^rd largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 33 employees at 5 locations. Slovenian Savings and Loan Association of Franklin-Conemaugh has a 5-star health rating.

Slovenian Savings and Loan Association of Franklin-Conemaugh Checking Account Rates

Slovenian Savings and Loan Association of Franklin-Conemaugh Savings Account Rates

Slovenian Savings and Loan Association of Franklin-Conemaugh CD Rates

Slovenian Savings and Loan Association of Franklin-Conemaugh IRA Rates

Data for Q1 2012

Institution Statistics Slovenian Savings and Loan Association of Franklin-Conemaugh OTS # 07703 FDIC Certificate # 31994 BankRate Report View Year Established 1915 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $133.69 million Loans $72.01 million Deposits $120.60 million Equity Capital $12.47 million Loan Loss Allowance $406,000 Unbacked Noncurrent Loans $773,000 Historic Data - March 2011 Assets $131.33 million Equity Capital $11.96 million Loan Loss Allowance $436,000 Unbacked Noncurrent Loans $509,000 Real Estate Owned $78,000 Profit Margin - Quarterly Net Interest Margin 2.96% Return on Assets 0.55% Return on Equity 5.85% Interest Income $1.26 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 Slovenian Savings and Loan Association of Franklin-Conemaugh had $773,000 in non-current loans and owned real-estate with $12.87 million in equity and loan loss allowances on hand to cover it. This gives Slovenian Savings and Loan Association of Franklin-Conemaugh a Texas Ratio of 6.00% 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 Slovenian Savings and Loan Association of Franklin-Conemaugh held steady from 4.74% as of March 31, 2011 to 6.00% as of March 31, 2012, resulting in a negative change of 26.78%. This indicates that the balance sheet and financial strength for Slovenian Savings and Loan Association of Franklin-Conemaugh has held steady in recent periods. Deposit Growth In the past year, Slovenian Savings and Loan Association of Franklin-Conemaugh has increased its total deposits by $1.78 million, resulting in 1.5% 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 Slovenian Savings and Loan Association of Franklin-Conemaugh 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. Slovenian Savings and Loan Association of Franklin-Conemaugh has $133.69 million in assets with $12.87 million in equity, resulting in a capitalization level of 9.63%, which is average.

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