The Bank of Landisburg

The Bank of Landisburg is headquartered in Landisburg and is the 124^th largest bank in the state of Pennsylvania. It is also the 2,546^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 43 employees at 3 locations. The Bank of Landisburg's money market rates are 82% higher than the national average, and it boasts a 5-star health rating.

The Bank of Landisburg Checking Account Rates

The Bank of Landisburg Savings Account Rates

The Bank of Landisburg Money Market Rates

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The Bank of Landisburg IRA Rates

Data for Q1 2012

Institution Statistics The Bank of Landisburg FDIC Certificate # 90384 BankRate Report View Year Established 1903 Employees 43 Primary Regulator FED Assets and Liabilities Assets $253.28 million Loans $147.47 million Deposits $210.33 million Equity Capital $42.21 million Loan Loss Allowance $3.43 million Unbacked Noncurrent Loans $4.41 million Real Estate Owned $497,000 Historic Data - March 2011 Assets $241.65 million Equity Capital $40.38 million Loan Loss Allowance $3.28 million Unbacked Noncurrent Loans $4.55 million Real Estate Owned $1.21 million Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 1.06% Return on Equity 6.38% Interest Income $2.59 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 The Bank of Landisburg had $4.91 million in non-current loans and owned real-estate with $45.65 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Landisburg a Texas Ratio of 10.76% 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 The Bank of Landisburg decreased slightly from 13.18% as of March 31, 2011 to 10.76% as of March 31, 2012, resulting in a positive change of 18.38%.This indicates that the balance sheet and financial strength for The Bank of Landisburg has improved slightly in recent periods. Deposit Growth In the past year, The Bank of Landisburg has increased its total deposits by $9.8 million, resulting in 4.89% 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 The Bank of Landisburg 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. The Bank of Landisburg has $253.28 million in assets with $45.65 million in equity, resulting in a capitalization level of 18.02%, which is excellent.

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