West Chester Savings Bank

West Chester Savings Bank is headquartered in Washington and is the 278^th largest bank in the state of Iowa. It is also the 6,326^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 13 employees at 1 location. West Chester Savings Bank's savings rates are 4X the national average, and it has a 4-star health rating.

West Chester Savings Bank Routing Number: 073916480

West Chester Savings Bank Checking Account Rates

West Chester Savings Bank Savings Account Rates

West Chester Savings Bank Money Market Rates

West Chester Savings Bank CD Rates

Data for Q1 2012

Institution Statistics West Chester Savings Bank FDIC Certificate # 10131 BankRate Report View Year Established 1900 Employees 13 Primary Regulator FED Assets and Liabilities Assets $51.70 million Loans $27.47 million Deposits $43.71 million Equity Capital $4.87 million Loan Loss Allowance $734,000 Unbacked Noncurrent Loans $439,000 Real Estate Owned $318,000 Historic Data - March 2011 Assets $49.88 million Equity Capital $4.52 million Loan Loss Allowance $890,000 Unbacked Noncurrent Loans $562,000 Real Estate Owned $354,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 0.3% Return on Equity 3.12% Interest Income $517,000

Institution Health Overall Score: 4 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 West Chester Savings Bank had $757,000 in non-current loans and owned real-estate with $5.6 million in equity and loan loss allowances on hand to cover it. This gives West Chester Savings Bank a Texas Ratio of 13.52% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for West Chester Savings Bank decreased slightly from 16.94% as of March 31, 2011 to 13.52% as of March 31, 2012, resulting in a positive change of 20.18%.This indicates that the balance sheet and financial strength for West Chester Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, West Chester Savings Bank has increased its total deposits by $1.54 million, resulting in 3.65% 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 West Chester Savings Bank 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. West Chester Savings Bank has $51.7 million in assets with $5.6 million in equity, resulting in a capitalization level of 10.83%, which is above average.

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