Elderton State Bank

Elderton State Bank is headquartered in Elderton and is the 141^st largest bank in the state of Pennsylvania. It is also the 3,128^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 41 employees at 3 locations. Elderton State Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Elderton State Bank FDIC Certificate # 12985 BankRate Report View Year Established 1919 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $199.23 million Loans $147.69 million Deposits $175.22 million Equity Capital $20.46 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $2.95 million Real Estate Owned $35,000 Historic Data - March 2011 Assets $215.79 million Equity Capital $18.92 million Loan Loss Allowance $2.40 million Unbacked Noncurrent Loans $2.49 million Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 1.2% Return on Equity 11.5% Interest Income $2.22 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 Elderton State Bank had $2.98 million in non-current loans and owned real-estate with $22.47 million in equity and loan loss allowances on hand to cover it. This gives Elderton State Bank a Texas Ratio of 13.27% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Elderton State Bank held steady from 11.75% as of March 31, 2011 to 13.27% as of March 31, 2012, resulting in a negative change of 12.90%. This indicates that the balance sheet and financial strength for Elderton State Bank has held steady in recent periods. Deposit Growth In the past year, Elderton State Bank has decreased its total deposits by -$19.26 million, resulting in -9.91% 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 Elderton State Bank has shown is poor. 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. Elderton State Bank has $199.23 million in assets with $22.47 million in equity, resulting in a capitalization level of 11.28%, which is above average.

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