Affinity Bank of Pennsylvania

Affinity Bank of Pennsylvania is headquartered in Wyomissing and is the 146^th largest bank in the state of Pennsylvania. It is also the 3,402^nd largest bank in the nation. It was established in 2003 and as of December of 2011, it had grown to 36 employees at 5 locations. Affinity Bank of Pennsylvania has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Affinity Bank of Pennsylvania FDIC Certificate # 57478 BankRate Report View Year Established 2003 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $177.65 million Loans $90.94 million Deposits $151.80 million Equity Capital $12.31 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $2.32 million Real Estate Owned $690,000 Historic Data - December 2010 Assets $170.32 million Equity Capital $11.75 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $3.66 million Real Estate Owned $372,000 Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 0.03% Return on Equity 0.49% Interest Income $7.00 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 December 31, 2011 Affinity Bank of Pennsylvania had $3.01 million in non-current loans and owned real-estate with $13.49 million in equity and loan loss allowances on hand to cover it. This gives Affinity Bank of Pennsylvania a Texas Ratio of 22.34% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Affinity Bank of Pennsylvania decreased slightly from 30.59% as of December 31, 2010 to 22.34% as of December 31, 2011, resulting in a positive change of 26.95%.This indicates that the balance sheet and financial strength for Affinity Bank of Pennsylvania has improved slightly in recent periods. Deposit Growth In the past year, Affinity Bank of Pennsylvania has increased its total deposits by $8.52 million, resulting in 5.95% 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 Affinity Bank of Pennsylvania has shown is excellent. 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. Affinity Bank of Pennsylvania has $177.65 million in assets with $13.49 million in equity, resulting in a capitalization level of 7.59%, which is below average.

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