CNB Bank

CNB Bank is headquartered in Clearfield and is the 19^st largest bank in the state of Pennsylvania. It is also the 405^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 281 employees at 27 locations. CNB Bank has a 4-star health rating.

CNB Bank Routing Number: 031306278

Data for Q1 2012

Institution Statistics CNB Bank FDIC Certificate # 13876 BankRate Report View Year Established 1934 Employees 281 Primary Regulator FDIC Assets and Liabilities Assets $1.66 billion Loans $840.46 million Deposits $1.44 billion Equity Capital $127.00 million Loan Loss Allowance $12.09 million Unbacked Noncurrent Loans $16.94 million Real Estate Owned $321,000 Historic Data - March 2011 Assets $1.46 billion Equity Capital $108.27 million Loan Loss Allowance $10.28 million Unbacked Noncurrent Loans $15.52 million Real Estate Owned $450,000 Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 1.02% Return on Equity 13.03% Interest Income $16.06 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 CNB Bank had $17.26 million in non-current loans and owned real-estate with $139.08 million in equity and loan loss allowances on hand to cover it. This gives CNB Bank a Texas Ratio of 12.41% 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 CNB Bank held steady from 13.47% as of March 31, 2011 to 12.41% as of March 31, 2012, resulting in a positive change of 7.89%.This indicates that the balance sheet and financial strength for CNB Bank has held steady in recent periods. Deposit Growth In the past year, CNB Bank has increased its total deposits by $210.61 million, resulting in 17.17% 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 CNB 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. CNB Bank has $1.66 billion in assets with $139.08 million in equity, resulting in a capitalization level of 8.36%, which is average.

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