Keystone State Savings Bank Financial Statements & Health Reports

Acquired Oct 2009

Vitals

ROAA

ROAE

Efficiency Ratio

278.667

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Keystone State Savings Bank	All Insured Savings Banks in Pennsylvania
Balance Sheet $(000)
Total Assets	24,606	510,113
Total Net Loans	3,457	306,138
Total Deposits	21,088	368,507
Total Equity	3,147	55,857
Profitability
Net Income	—	2,609
Return on Average Assets	—	.536
Return on Average Equity	—	4.853
Net Interest Margin	1.556	2.837
Efficiency Ratio	278.667	74.222
Noninterest Income/Revenue	2.799	11.387
Balance Sheet Ratios
Loan-to-Deposit	16.393	82.838
Securities/Assets	.382	.927
Total Equity/Total Assets	.128	.109
Tangible Equity/Tangible Assets	.128	-.365
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	3,140	49,015
Tier 2 Capital	47	3,486
Total Capital	3,187	52,499
Total Risk Weighted Assets	5,155	328,579
Leverage Ratio	12.71	9.94
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	60.91	17.213
Total Capital Ratio	61.82	18.127

Keystone State Savings Bank was acquired by Northwest Bank 14 years

View Profile Oct 24 2009

Keystone State Savings Bank was established 137 years ago and is currently headquartered in Sharpsburg, PA.

Jan 01 1887

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Northwest Bank	Buyer	9,758,868	Acquisition	Discontinued	10/24/2009

Relationships	Role	Relationship Start	Relationship End

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