Affinity Bank of Pennsylvania

1310 Broadcasting Road
Wyomissing, PA 19610

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57478
Date Established 2003
Assets $0.17 billion
Loans $0.08 billion
Deposits $0.15 billion
Capital $0.01 billion

Affinity Bank of Pennsylvania is an FDIC insured institution located in Wyomissing, PA. It was founded in 2003 and has approximately $0.17 billion in assets.

For a more detailed analysis of Affinity Bank of Pennsylvania's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Affinity Bank of Pennsylvania’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Pennsylvania, Affinity Bank of Pennsylvania has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 61.31
Multifamily
Mortgages
2.57
Credit Card Loans 0.00
Consumer Auto Loans 0.25
Small Business Loans 13.02
Construction and Development Loans 2.98
Commercial Real Estate 16.33
Commercial and Industrial Loans 17.70
Farm Loans 0.00

Deposit Rates - January 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Affinity Bank Of Pennsylvania, but see these great savings and CD rates:

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Loan Rates - January 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Affinity Bank of Pennsylvania

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Note to Affinity Bank of Pennsylvania
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Branches

Affinity Bank of Pennsylvania branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Affinity Bank of Pennsylvania Locations

Financial Details

Affinity Bank of Pennsylvania Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Affinity Bank of Pennsylvania. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Affinity Bank of Pennsylvania U.S. Bank Average
30.94% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Affinity Bank of Pennsylvania had $3,097,000 in non-current loans and $1,107,000 in owned real estate. To cover these potential losses it had $12,454,000 in equity and $1,132,000 in loans loss reserves. That gives it a Texas Ratio of 30.94%.

Return on Equity
Affinity Bank of Pennsylvania U.S. Bank Average
-2.28% 9.95%

Affinity Bank of Pennsylvania has a Return on Equity of -2.28% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Affinity Bank of Pennsylvania U.S. Bank Average
7.13% 12.19%

Affinity Bank of Pennsylvania has a Capitalization of 7.13% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Affinity Bank of Pennsylvania Balance Sheet Analysis

As of December 31, 2012, Affinity Bank of Pennsylvania had assets of $174,717,000, loans of $78,421,000, and deposits of $148,823,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.15 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.17 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

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