Cedar Hill National Bank

Cedar Hill National Bank is headquartered in Charlotte and is the 95^th largest bank in the state of North Carolina. It is also the 7,312^st largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 33 employees at 1 location. Cedar Hill National Bank has a 5-star health rating.

Data for Q4 2011

Institution Statistics Cedar Hill National Bank FDIC Certificate # 34478 BankRate Report View Year Established 1998 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $11.35 million Loans $146,000 Deposits $2.00 million Equity Capital $8.76 million Historic Data - December 2010 Assets $11.12 million Equity Capital $8.58 million Profit Margin - Quarterly Net Interest Margin 0.68% Return on Assets 5.37% Return on Equity 6.97% Interest Income $74,000

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 Cedar Hill National Bank had $0 in non-current loans and owned real-estate with $8.76 million in equity and loan loss allowances on hand to cover it. This gives Cedar Hill National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Cedar Hill National Bank has increased its total deposits by $0, resulting in 0% 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 Cedar Hill National Bank has shown is average. 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. Cedar Hill National Bank has $11.34 million in assets with $8.76 million in equity, resulting in a capitalization level of 77.18%, which is excellent.

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