Credit First National Association

Credit First National Association is headquartered in Brook Park and is the 229^th largest bank in the state of Ohio. It is also the 6,951^st largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 192 employees at 1 location. Credit First National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Credit First National Association FDIC Certificate # 33855 BankRate Report View Year Established 1993 Employees 192 Primary Regulator OCC Assets and Liabilities Assets $29.52 million Deposits $500,000 Equity Capital $26.99 million Historic Data - March 2011 Assets $23.94 million Equity Capital $21.69 million Profit Margin - Quarterly Net Interest Margin 0.04% Return on Assets 35.59% Return on Equity 39.1% Interest Income $4,000

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 Credit First National Association had $0 in non-current loans and owned real-estate with $26.99 million in equity and loan loss allowances on hand to cover it. This gives Credit First National Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Credit First National Association has increased its total deposits by $0, resulting in 0% 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 Credit First National Association 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. Credit First National Association has $29.52 million in assets with $26.99 million in equity, resulting in a capitalization level of 91.42%, which is excellent.

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