Consumers National Bank

Consumers National Bank is headquartered in Minerva and is the 62^nd largest bank in the state of Ohio. It is also the 1,976^th largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 114 employees at 11 locations. Consumers National Bank has a 5-star health rating.

Consumers National Bank Routing Number: 041201143

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Data for Q1 2012

Institution Statistics Consumers National Bank FDIC Certificate # 19482 BankRate Report View Year Established 1965 Employees 114 Primary Regulator OCC Assets and Liabilities Assets $330.00 million Loans $181.86 million Deposits $279.34 million Equity Capital $25.39 million Loan Loss Allowance $2.21 million Unbacked Noncurrent Loans $2.00 million Historic Data - March 2011 Assets $289.73 million Equity Capital $22.10 million Loan Loss Allowance $2.10 million Unbacked Noncurrent Loans $1.69 million Profit Margin - Quarterly Net Interest Margin 3.86% Return on Assets 0.85% Return on Equity 10.9% Interest Income $3.28 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 Consumers National Bank had $2 million in non-current loans and owned real-estate with $27.6 million in equity and loan loss allowances on hand to cover it. This gives Consumers National Bank a Texas Ratio of 7.25% 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 Consumers National Bank decreased slightly from 8.69% as of March 31, 2011 to 7.25% as of March 31, 2012, resulting in a positive change of 16.61%.This indicates that the balance sheet and financial strength for Consumers National Bank has improved slightly in recent periods. Deposit Growth In the past year, Consumers National Bank has increased its total deposits by $37.42 million, resulting in 15.47% 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 Consumers National 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. Consumers National Bank has $330 million in assets with $27.6 million in equity, resulting in a capitalization level of 8.36%, which is average.

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