York Traditions Bank

York Traditions Bank is headquartered in York and is the 123^rd largest bank in the state of Pennsylvania. It is also the 2,505^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 65 employees at 5 locations. York Traditions Bank has a 5-star health rating.

York Traditions Bank Routing Number: 031318745

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Data for Q1 2012

Institution Statistics York Traditions Bank FDIC Certificate # 57377 BankRate Report View Year Established 2002 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $257.93 million Loans $205.30 million Deposits $220.78 million Equity Capital $26.82 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $220,000 Historic Data - March 2011 Assets $239.12 million Equity Capital $24.79 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $42,000 Real Estate Owned $1.29 million Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 0.86% Return on Equity 8.29% Interest Income $2.86 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 York Traditions Bank had $1.52 million in non-current loans and owned real-estate with $28.93 million in equity and loan loss allowances on hand to cover it. This gives York Traditions Bank a Texas Ratio of 5.25% 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 York Traditions Bank held steady from 4.97% as of March 31, 2011 to 5.25% as of March 31, 2012, resulting in a negative change of 5.48%. This indicates that the balance sheet and financial strength for York Traditions Bank has held steady in recent periods. Deposit Growth In the past year, York Traditions Bank has increased its total deposits by $18.16 million, resulting in 8.97% 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 York Traditions 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. York Traditions Bank has $257.93 million in assets with $28.93 million in equity, resulting in a capitalization level of 11.22%, which is above average.

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