Atlantic Central Bankers Bank

Atlantic Central Bankers Bank is headquartered in Camp Hill and is the 61^st largest bank in the state of Pennsylvania. It is also the 1,102^nd largest bank in the nation. It was established in 1983 and as of December of 2011, it had grown to 67 employees at 2 locations. Atlantic Central Bankers Bank has a 4-star health rating.

Atlantic Central Bankers Bank Routing Number: 031301752

Data for Q4 2011

Institution Statistics Atlantic Central Bankers Bank FDIC Certificate # 24829 BankRate Report View Year Established 1983 Employees 67 Primary Regulator FED Assets and Liabilities Assets $605.10 million Loans $249.14 million Deposits $371.99 million Equity Capital $59.70 million Loan Loss Allowance $12.88 million Unbacked Noncurrent Loans $11.25 million Real Estate Owned $5.78 million Historic Data - December 2010 Assets $723.47 million Equity Capital $54.70 million Loan Loss Allowance $14.12 million Unbacked Noncurrent Loans $16.39 million Real Estate Owned $2.78 million Profit Margin - Quarterly Net Interest Margin 2.22% Return on Assets 0.41% Return on Equity 4.65% Interest Income $15.27 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 Atlantic Central Bankers Bank had $17.02 million in non-current loans and owned real-estate with $72.57 million in equity and loan loss allowances on hand to cover it. This gives Atlantic Central Bankers Bank a Texas Ratio of 23.46% 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 Atlantic Central Bankers Bank decreased slightly from 27.86% as of December 31, 2010 to 23.46% as of December 31, 2011, resulting in a positive change of 15.80%.This indicates that the balance sheet and financial strength for Atlantic Central Bankers Bank has improved slightly in recent periods. Deposit Growth In the past year, Atlantic Central Bankers Bank has increased its total deposits by $145 million, resulting in 63.88% 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 Atlantic Central Bankers Bank 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. Atlantic Central Bankers Bank has $605.1 million in assets with $72.57 million in equity, resulting in a capitalization level of 11.99%, which is above average.

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