Commercial Bank and Trust of PA

Commercial Bank and Trust of PA is headquartered in Latrobe and is the 93^rd largest bank in the state of Pennsylvania. It is also the 1,785^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 102 employees at 10 locations. Commercial Bank and Trust of PA has a 5-star health rating.

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Commercial Bank and Trust of PA IRA Rates

Data for Q1 2012

Institution Statistics Commercial Bank and Trust of PA FDIC Certificate # 14333 BankRate Report View Year Established 1934 Employees 102 Primary Regulator FDIC Assets and Liabilities Assets $372.98 million Loans $171.05 million Deposits $313.59 million Equity Capital $54.38 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $27,000 Real Estate Owned $638,000 Historic Data - March 2011 Assets $357.63 million Equity Capital $46.92 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $156,000 Real Estate Owned $689,000 Profit Margin - Quarterly Net Interest Margin 4.75% Return on Assets 3.91% Return on Equity 28.31% Interest Income $4.56 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 Commercial Bank and Trust of PA had $665,000 in non-current loans and owned real-estate with $56.06 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank and Trust of PA a Texas Ratio of 1.19% 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 Commercial Bank and Trust of PA decreased slightly from 1.74% as of March 31, 2011 to 1.19% as of March 31, 2012, resulting in a positive change of 31.76%.This indicates that the balance sheet and financial strength for Commercial Bank and Trust of PA has improved slightly in recent periods. Deposit Growth In the past year, Commercial Bank and Trust of PA has increased its total deposits by $23.56 million, resulting in 8.12% 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 Commercial Bank and Trust of PA 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. Commercial Bank and Trust of PA has $372.98 million in assets with $56.06 million in equity, resulting in a capitalization level of 15.03%, which is excellent.

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