West View Savings Bank

West View Savings Bank is headquartered in Pittsburgh and is the 109^th largest bank in the state of Pennsylvania. It is also the 2,133^rd largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 45 employees at 6 locations. West View Savings Bank has a 4-star health rating.

West View Savings Bank Routing Number: 243074071

West View Savings Bank Money Market Rates

West View Savings Bank CD Rates

Data for Q1 2012

Institution Statistics West View Savings Bank FDIC Certificate # 27760 BankRate Report View Year Established 1908 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $306.62 million Loans $43.88 million Deposits $142.77 million Equity Capital $28.70 million Loan Loss Allowance $440,000 Unbacked Noncurrent Loans $1.50 million Real Estate Owned $235,000 Historic Data - March 2011 Assets $247.36 million Equity Capital $27.15 million Loan Loss Allowance $663,000 Unbacked Noncurrent Loans $2.40 million Profit Margin - Quarterly Net Interest Margin 2.06% Return on Assets 0.56% Return on Equity 5.56% Interest Income $1.75 million

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 View Savings Bank had $1.74 million in non-current loans and owned real-estate with $29.14 million in equity and loan loss allowances on hand to cover it. This gives West View Savings Bank a Texas Ratio of 5.97% 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 View Savings Bank decreased slightly from 8.64% as of March 31, 2011 to 5.97% as of March 31, 2012, resulting in a positive change of 30.93%.This indicates that the balance sheet and financial strength for West View Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, West View Savings Bank has decreased its total deposits by -$36.32 million, resulting in -20.28% 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 View Savings Bank has shown is poor. 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 View Savings Bank has $306.62 million in assets with $29.14 million in equity, resulting in a capitalization level of 9.50%, which is average.

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