Woodlands Bank (PA)

Woodlands Bank (PA) is headquartered in Williamsport and is the 99^th largest bank in the state of Pennsylvania. It is also the 2,012^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 86 employees at 6 locations. Woodlands Bank (PA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Woodlands Bank FDIC Certificate # 33136 BankRate Report View Year Established 1990 Employees 86 Primary Regulator FED Assets and Liabilities Assets $324.57 million Loans $198.22 million Deposits $276.61 million Equity Capital $26.08 million Loan Loss Allowance $3.79 million Unbacked Noncurrent Loans $2.77 million Historic Data - March 2011 Assets $294.56 million Equity Capital $22.83 million Loan Loss Allowance $4.16 million Unbacked Noncurrent Loans $3.02 million Real Estate Owned $76,000 Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 1.01% Return on Equity 12.47% Interest Income $3.24 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 March 31, 2012 Woodlands Bank (PA) had $2.77 million in non-current loans and owned real-estate with $29.87 million in equity and loan loss allowances on hand to cover it. This gives Woodlands Bank (PA) a Texas Ratio of 9.29% 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 Woodlands Bank (PA) held steady from 9.19% as of March 31, 2011 to 9.29% as of March 31, 2012, resulting in a negative change of 1.09%. This indicates that the balance sheet and financial strength for Woodlands Bank (PA) has held steady in recent periods. Deposit Growth In the past year, Woodlands Bank (PA) has increased its total deposits by $31.31 million, resulting in 12.76% 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 Woodlands Bank (PA) 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. Woodlands Bank (PA) has $324.57 million in assets with $29.87 million in equity, resulting in a capitalization level of 9.20%, which is average.

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