Seneca Falls Savings Bank

Seneca Falls Savings Bank is headquartered in Seneca Falls and is the 109^th largest bank in the state of New York. It is also the 2,530^th largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 79 employees at 8 locations. Seneca Falls Savings Bank has a 5-star health rating.

Seneca Falls Savings Bank Routing Number: 221371194

Data for Q1 2012

Institution Statistics Generations Bank OTS # 18024 FDIC Certificate # 16040 BankRate Report View Year Established 1870 Employees 79 Primary Regulator OCC Assets and Liabilities Assets $255.37 million Loans $188.15 million Deposits $195.42 million Equity Capital $23.13 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $949,000 Real Estate Owned $159,000 Historic Data - March 2011 Assets $242.59 million Equity Capital $17.72 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $153,000 Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets 0.55% Return on Equity 6.02% Interest Income $2.80 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 Seneca Falls Savings Bank had $1.11 million in non-current loans and owned real-estate with $24.58 million in equity and loan loss allowances on hand to cover it. This gives Seneca Falls Savings Bank a Texas Ratio of 4.51% 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 Seneca Falls Savings Bank decreased significantly from 8.38% as of March 31, 2011 to 4.51% as of March 31, 2012, resulting in a positive change of 46.20%.This indicates that the balance sheet and financial strength for Seneca Falls Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, Seneca Falls Savings Bank has increased its total deposits by $1.46 million, resulting in 0.75% 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 Seneca Falls Savings Bank has shown is 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. Seneca Falls Savings Bank has $255.37 million in assets with $24.58 million in equity, resulting in a capitalization level of 9.63%, which is average.

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