Tioga State Bank

Tioga State Bank is headquartered in Spencer and is the 94^th largest bank in the state of New York. It is also the 1,675^th largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 94 employees at 11 locations. Tioga State Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Tioga State Bank FDIC Certificate # 9410 BankRate Report View Year Established 1884 Employees 94 Primary Regulator FED Assets and Liabilities Assets $397.88 million Loans $239.77 million Deposits $329.41 million Equity Capital $39.77 million Loan Loss Allowance $3.72 million Unbacked Noncurrent Loans $1.42 million Historic Data - March 2011 Assets $388.33 million Equity Capital $35.29 million Loan Loss Allowance $3.11 million Unbacked Noncurrent Loans $953,000 Real Estate Owned $149,000 Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 1.06% Return on Equity 10.57% Interest Income $4.39 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 Tioga State Bank had $1.42 million in non-current loans and owned real-estate with $43.5 million in equity and loan loss allowances on hand to cover it. This gives Tioga State Bank a Texas Ratio of 3.27% 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 Tioga State Bank held steady from 2.87% as of March 31, 2011 to 3.27% as of March 31, 2012, resulting in a negative change of 14.01%. This indicates that the balance sheet and financial strength for Tioga State Bank has held steady in recent periods. Deposit Growth In the past year, Tioga State Bank has increased its total deposits by $5.41 million, resulting in 1.67% 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 Tioga State 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. Tioga State Bank has $397.88 million in assets with $43.5 million in equity, resulting in a capitalization level of 10.93%, which is above average.

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