Community State Bank of Orbisonia

Community State Bank of Orbisonia is headquartered in Orbisonia and is the 111^st largest bank in the state of Pennsylvania. It is also the 2,158^th largest bank in the nation. It was established in 1951 and as of March of 2012, it had grown to 96 employees at 7 locations. Community State Bank of Orbisonia has a 5-star health rating.

Data for Q1 2012

Institution Statistics Community State Bank of Orbisonia FDIC Certificate # 16976 BankRate Report View Year Established 1951 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $303.04 million Loans $253.13 million Deposits $275.46 million Equity Capital $25.50 million Loan Loss Allowance $2.70 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $110,000 Historic Data - March 2011 Assets $282.75 million Equity Capital $23.38 million Loan Loss Allowance $2.22 million Unbacked Noncurrent Loans $659,000 Real Estate Owned $274,000 Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 0.97% Return on Equity 11.48% Interest Income $4.03 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 Community State Bank of Orbisonia had $1.4 million in non-current loans and owned real-estate with $28.2 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank of Orbisonia a Texas Ratio of 4.95% 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 Community State Bank of Orbisonia held steady from 3.64% as of March 31, 2011 to 4.95% as of March 31, 2012, resulting in a negative change of 35.76%. This indicates that the balance sheet and financial strength for Community State Bank of Orbisonia has held steady in recent periods. Deposit Growth In the past year, Community State Bank of Orbisonia has increased its total deposits by $16.96 million, resulting in 6.56% 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 Community State Bank of Orbisonia 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. Community State Bank of Orbisonia has $303.04 million in assets with $28.2 million in equity, resulting in a capitalization level of 9.30%, which is average.

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