Clearfield Bank & Trust Company

Clearfield Bank & Trust Company is headquartered in Clearfield and is the 86^th largest bank in the state of Pennsylvania. It is also the 1,646^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 143 employees at 13 locations. Clearfield Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Clearfield Bank & Trust Company FDIC Certificate # 11116 BankRate Report View Year Established 1902 Employees 143 Primary Regulator FDIC Assets and Liabilities Assets $404.84 million Loans $243.68 million Deposits $345.14 million Equity Capital $49.51 million Loan Loss Allowance $3.63 million Unbacked Noncurrent Loans $2.99 million Real Estate Owned $527,000 Historic Data - March 2011 Assets $371.81 million Equity Capital $37.38 million Loan Loss Allowance $3.41 million Unbacked Noncurrent Loans $5.59 million Real Estate Owned $106,000 Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.9% Return on Equity 7.41% Interest Income $4.29 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 Clearfield Bank & Trust Company had $3.52 million in non-current loans and owned real-estate with $53.13 million in equity and loan loss allowances on hand to cover it. This gives Clearfield Bank & Trust Company a Texas Ratio of 6.62% 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 Clearfield Bank & Trust Company decreased significantly from 13.96% as of March 31, 2011 to 6.62% as of March 31, 2012, resulting in a positive change of 52.62%.This indicates that the balance sheet and financial strength for Clearfield Bank & Trust Company has improved significantly in recent periods. Deposit Growth In the past year, Clearfield Bank & Trust Company has increased its total deposits by $15.79 million, resulting in 4.79% 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 Clearfield Bank & Trust Company 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. Clearfield Bank & Trust Company has $404.84 million in assets with $53.13 million in equity, resulting in a capitalization level of 13.12%, which is excellent.

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