West Milton State Bank

West Milton State Bank is headquartered in West Milton and is the 100^th largest bank in the state of Pennsylvania. It is also the 2,015^st largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 67 employees at 5 locations. West Milton State Bank's money market rates are 25% higher than the national average, and it boasts a 5-star health rating.

West Milton State Bank Savings Account Rates

West Milton State Bank Money Market Rates

West Milton State Bank CD Rates

West Milton State Bank IRA Rates

Data for Q1 2012

Institution Statistics West Milton State Bank FDIC Certificate # 8421 BankRate Report View Year Established 1920 Employees 67 Primary Regulator FDIC Assets and Liabilities Assets $323.76 million Loans $109.44 million Deposits $287.10 million Equity Capital $31.02 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $164,000 Real Estate Owned $4,000 Historic Data - March 2011 Assets $314.60 million Equity Capital $22.83 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $132,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.23% Return on Equity 13.06% Interest Income $3.32 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 West Milton State Bank had $168,000 in non-current loans and owned real-estate with $32.96 million in equity and loan loss allowances on hand to cover it. This gives West Milton State Bank a Texas Ratio of 0.51% 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 West Milton State Bank held steady from 0.54% as of March 31, 2011 to 0.51% as of March 31, 2012, resulting in a positive change of 6.04%.This indicates that the balance sheet and financial strength for West Milton State Bank has held steady in recent periods. Deposit Growth In the past year, West Milton State Bank has increased its total deposits by $6.49 million, resulting in 2.31% 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 Milton State 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 Milton State Bank has $323.76 million in assets with $32.96 million in equity, resulting in a capitalization level of 10.18%, which is above average.

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