Country Bank

Country Bank is headquartered in New York and is the 89^th largest bank in the state of New York. It is also the 1,483^rd largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 49 employees at 5 locations. Country Bank has a 3-star health rating.

Country Bank Routing Number: 021911369

Data for Q1 2012

Institution Statistics Country Bank FDIC Certificate # 27226 BankRate Report View Year Established 1988 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $450.05 million Loans $290.02 million Deposits $393.68 million Equity Capital $35.20 million Loan Loss Allowance $6.74 million Unbacked Noncurrent Loans $12.87 million Real Estate Owned $3.33 million Historic Data - March 2011 Assets $450.27 million Equity Capital $35.48 million Loan Loss Allowance $3.58 million Unbacked Noncurrent Loans $9.64 million Real Estate Owned $4.73 million Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 0.56% Return on Equity 7.27% Interest Income $5.90 million

Institution Health Overall Score: 3 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 Country Bank had $16.21 million in non-current loans and owned real-estate with $41.94 million in equity and loan loss allowances on hand to cover it. This gives Country Bank a Texas Ratio of 38.65% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Country Bank held steady from 36.79% as of March 31, 2011 to 38.65% as of March 31, 2012, resulting in a negative change of 5.05%. This indicates that the balance sheet and financial strength for Country Bank has held steady in recent periods. Deposit Growth In the past year, Country Bank has increased its total deposits by $5.26 million, resulting in 1.35% 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 Country Bank has shown is above 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. Country Bank has $450.05 million in assets with $41.94 million in equity, resulting in a capitalization level of 9.32%, which is average.

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