Vantage Point Bank

Vantage Point Bank is headquartered in Horsham and is the 182^nd largest bank in the state of Pennsylvania. It is also the 5,318^st largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 227 employees at 1 location. Vantage Point Bank has a 4-star health rating.

Vantage Point Bank Routing Number: 031919063

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Data for Q1 2012

Institution Statistics Vantage Point Bank FDIC Certificate # 58531 BankRate Report View Year Established 2007 Employees 227 Primary Regulator FDIC Assets and Liabilities Assets $86.18 million Loans $61.79 million Deposits $67.43 million Equity Capital $7.17 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $1.12 million Real Estate Owned $61,000 Historic Data - March 2011 Assets $72.54 million Equity Capital $7.36 million Loan Loss Allowance $559,000 Unbacked Noncurrent Loans $1.08 million Profit Margin - Quarterly Net Interest Margin 2.73% Return on Assets -0.26% Return on Equity -2.96% Interest Income $776,000

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 March 31, 2012 Vantage Point Bank had $1.18 million in non-current loans and owned real-estate with $7.53 million in equity and loan loss allowances on hand to cover it. This gives Vantage Point Bank a Texas Ratio of 15.66% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vantage Point Bank held steady from 13.69% as of March 31, 2011 to 15.66% as of March 31, 2012, resulting in a negative change of 14.37%. This indicates that the balance sheet and financial strength for Vantage Point Bank has held steady in recent periods. Deposit Growth In the past year, Vantage Point Bank has increased its total deposits by $8.53 million, resulting in 14.49% 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 Vantage Point Bank has shown is excellent. 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. Vantage Point Bank has $86.18 million in assets with $7.53 million in equity, resulting in a capitalization level of 8.74%, which is average.