William Penn Bank, FSB

William Penn Bank, FSB is headquartered in Levittown and is the 103^rd largest bank in the state of Pennsylvania. It is also the 2,055^th largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 38 employees at 4 locations. William Penn Bank, FSB has a 5-star health rating.

William Penn Bank, FSB Routing Number: 231372798

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Data for Q1 2012

Institution Statistics William Penn Bank OTS # 00299 FDIC Certificate # 27799 BankRate Report View Year Established 1870 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $317.67 million Loans $241.48 million Deposits $182.36 million Equity Capital $51.77 million Loan Loss Allowance $2.78 million Unbacked Noncurrent Loans $4.17 million Historic Data - March 2011 Assets $320.81 million Equity Capital $49.48 million Loan Loss Allowance $2.56 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $743,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 0.91% Return on Equity 5.59% Interest Income $3.51 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 William Penn Bank, FSB had $4.17 million in non-current loans and owned real-estate with $54.55 million in equity and loan loss allowances on hand to cover it. This gives William Penn Bank, FSB a Texas Ratio of 7.64% 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 William Penn Bank, FSB held steady from 5.73% as of March 31, 2011 to 7.64% as of March 31, 2012, resulting in a negative change of 33.49%. This indicates that the balance sheet and financial strength for William Penn Bank, FSB has held steady in recent periods. Deposit Growth In the past year, William Penn Bank, FSB has decreased its total deposits by $-427,000, resulting in -0.23% 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 William Penn Bank, FSB has shown is 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. William Penn Bank, FSB has $317.67 million in assets with $54.55 million in equity, resulting in a capitalization level of 17.17%, which is excellent.

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