Community National Bank of Norwestern Pennsylvania

Community National Bank of Norwestern Pennsylvania is headquartered in Albion and is the 183^rd largest bank in the state of Pennsylvania. It is also the 5,500^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 17 employees at 5 locations. Community National Bank of Norwestern Pennsylvania has a 5-star health rating.

Data for Q1 2012

Institution Statistics Community National Bank of Norwestern Pennsylvania FDIC Certificate # 10032 BankRate Report View Year Established 1933 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $79.46 million Loans $36.93 million Deposits $63.90 million Equity Capital $15.40 million Loan Loss Allowance $427,000 Unbacked Noncurrent Loans $107,000 Historic Data - March 2011 Assets $78.80 million Equity Capital $15.30 million Loan Loss Allowance $426,000 Unbacked Noncurrent Loans $107,000 Profit Margin - Quarterly Net Interest Margin 3.06% Return on Assets 0.83% Return on Equity 4.26% Interest Income $698,000

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 March 31, 2012 Community National Bank of Norwestern Pennsylvania had $107,000 in non-current loans and owned real-estate with $15.82 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank of Norwestern Pennsylvania a Texas Ratio of 0.68% 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 Community National Bank of Norwestern Pennsylvania held steady from 0.68% as of March 31, 2011 to 0.68% as of March 31, 2012, resulting in a positive change of 0.63%.This indicates that the balance sheet and financial strength for Community National Bank of Norwestern Pennsylvania has held steady in recent periods. Deposit Growth In the past year, Community National Bank of Norwestern Pennsylvania has increased its total deposits by $507,000, resulting in 0.8% 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 Community National Bank of Norwestern Pennsylvania 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. Community National Bank of Norwestern Pennsylvania has $79.46 million in assets with $15.82 million in equity, resulting in a capitalization level of 19.91%, which is excellent.

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