Clarion County Community Bank

Clarion County Community Bank is headquartered in Clarion and is the 165^th largest bank in the state of Pennsylvania. It is also the 4,376^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 30 employees at 3 locations. Clarion County Community Bank has a 4-star health rating.

Clarion County Community Bank Routing Number: 043318791

Data for Q1 2012

Institution Statistics Clarion County Community Bank FDIC Certificate # 57624 BankRate Report View Year Established 2004 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $123.90 million Loans $88.78 million Deposits $109.28 million Equity Capital $12.12 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $868,000 Real Estate Owned $216,000 Historic Data - March 2011 Assets $116.80 million Equity Capital $10.69 million Loan Loss Allowance $956,000 Unbacked Noncurrent Loans $822,000 Real Estate Owned $342,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.87% Return on Equity 8.84% Interest Income $1.45 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 Clarion County Community Bank had $1.08 million in non-current loans and owned real-estate with $13.36 million in equity and loan loss allowances on hand to cover it. This gives Clarion County Community Bank a Texas Ratio of 8.11% 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 Clarion County Community Bank decreased slightly from 10.00% as of March 31, 2011 to 8.11% as of March 31, 2012, resulting in a positive change of 18.84%.This indicates that the balance sheet and financial strength for Clarion County Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Clarion County Community Bank has increased its total deposits by $3.62 million, resulting in 3.43% 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 Clarion County Community Bank has shown is above 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. Clarion County Community Bank has $123.9 million in assets with $13.36 million in equity, resulting in a capitalization level of 10.78%, which is above average.

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