The National Bank of Delaware County

The National Bank of Delaware County is headquartered in Walton and is the 105^th largest bank in the state of New York. It is also the 2,398^th largest bank in the nation. It was established in 1890 and as of December of 2012, it had grown to 66 employees at 6 locations. The National Bank of Delaware County's savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics The National Bank of Delaware County FDIC Certificate # 7337 BankRate Report View Year Established 1890 Employees 66 Primary Regulator OCC Assets and Liabilities Assets $268.33 million Loans $95.32 million Deposits $221.58 million Equity Capital $30.03 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $3.03 million Historic Data - December 2011 Assets $258.19 million Equity Capital $28.90 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $2.84 million Profit Margin - Quarterly Net Interest Margin 3.26% Return on Assets 0.55% Return on Equity 5.06% Interest Income $9.60 million

Institution Health Overall Score: 4 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 December 31, 2012 The National Bank of Delaware County had $3.03 million in non-current loans and owned real-estate with $31.6 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Delaware County a Texas Ratio of 9.60% 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 National Bank of Delaware County held steady from 9.32% as of December 31, 2011 to 9.60% as of December 31, 2012, resulting in a negative change of 2.97%. This indicates that the balance sheet and financial strength for The National Bank of Delaware County has held steady in recent periods. Deposit Growth In the past year, The National Bank of Delaware County has increased its total deposits by $3.57 million, resulting in 1.64% 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 National Bank of Delaware County 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 National Bank of Delaware County has $268.33 million in assets with $31.6 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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