Washington Financial Bank

Washington Financial Bank is headquartered in Washington and is the 36^th largest bank in the state of Pennsylvania. It is also the 764^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 168 employees at 8 locations. Washington Financial Bank has a 5-star health rating.

Washington Financial Bank Routing Number: 243374221

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Data for Q1 2012

Institution Statistics Washington Financial Bank FDIC Certificate # 29520 BankRate Report View Year Established 1899 Employees 168 Primary Regulator FDIC Assets and Liabilities Assets $869.19 million Loans $564.30 million Deposits $759.91 million Equity Capital $95.61 million Loan Loss Allowance $6.97 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $1.34 million Historic Data - March 2011 Assets $824.61 million Equity Capital $91.79 million Loan Loss Allowance $5.94 million Unbacked Noncurrent Loans $3.97 million Real Estate Owned $1.11 million Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets 0.68% Return on Equity 6.17% Interest Income $7.38 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 Washington Financial Bank had $4.1 million in non-current loans and owned real-estate with $102.58 million in equity and loan loss allowances on hand to cover it. This gives Washington Financial Bank a Texas Ratio of 4.00% 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 Washington Financial Bank decreased slightly from 5.19% as of March 31, 2011 to 4.00% as of March 31, 2012, resulting in a positive change of 22.94%.This indicates that the balance sheet and financial strength for Washington Financial Bank has improved slightly in recent periods. Deposit Growth In the past year, Washington Financial Bank has increased its total deposits by $55.35 million, resulting in 7.86% 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 Washington Financial 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. Washington Financial Bank has $869.18 million in assets with $102.58 million in equity, resulting in a capitalization level of 11.80%, which is above average.

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