1st National Community Bank

1st National Community Bank is headquartered in East Liverpool and is the 123^rd largest bank in the state of Ohio. It is also the 4,212^st largest bank in the nation. It was established in 1987 and as of December of 2011, it had grown to 55 employees at 6 locations. 1st National Community Bank has a 5-star health rating.

1st National Community Bank CD Rates

Data for Q4 2011

Institution Statistics 1st National Community Bank FDIC Certificate # 26977 BankRate Report View Year Established 1987 Employees 55 Primary Regulator OCC Assets and Liabilities Assets $130.20 million Loans $60.32 million Deposits $103.22 million Equity Capital $12.89 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $321,000 Historic Data - December 2010 Assets $121.15 million Equity Capital $11.34 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $1.05 million Real Estate Owned $439,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.63% Return on Equity 6.63% Interest Income $5.02 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 December 31, 2011 1st National Community Bank had $1.48 million in non-current loans and owned real-estate with $14.11 million in equity and loan loss allowances on hand to cover it. This gives 1st National Community Bank a Texas Ratio of 10.46% 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 1st National Community Bank decreased slightly from 13.06% as of December 31, 2010 to 10.46% as of December 31, 2011, resulting in a positive change of 19.94%.This indicates that the balance sheet and financial strength for 1st National Community Bank has improved slightly in recent periods. Deposit Growth In the past year, 1st National Community Bank has increased its total deposits by $5.38 million, resulting in 5.49% 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 1st National Community 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. 1st National Community Bank has $130.2 million in assets with $14.11 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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