Cresson Community Bank

Cresson Community Bank is headquartered in Cresson and is the 191^st largest bank in the state of Pennsylvania. It is also the 6,165^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 7 employees at 1 location. Cresson Community Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Cresson Community Bank OTS # 00955 FDIC Certificate # 28134 BankRate Report View Year Established 1919 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $56.70 million Loans $26.72 million Deposits $50.16 million Equity Capital $6.45 million Loan Loss Allowance $147,000 Unbacked Noncurrent Loans $1.15 million Historic Data - March 2011 Assets $55.81 million Equity Capital $6.25 million Loan Loss Allowance $161,000 Unbacked Noncurrent Loans $820,000 Profit Margin - Quarterly Net Interest Margin 2.28% Return on Assets 0.37% Return on Equity 3.24% Interest Income $489,000

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 Cresson Community Bank had $1.14 million in non-current loans and owned real-estate with $6.6 million in equity and loan loss allowances on hand to cover it. This gives Cresson Community Bank a Texas Ratio of 17.35% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cresson Community Bank held steady from 12.80% as of March 31, 2011 to 17.35% as of March 31, 2012, resulting in a negative change of 35.51%. This indicates that the balance sheet and financial strength for Cresson Community Bank has held steady in recent periods. Deposit Growth In the past year, Cresson Community Bank has increased its total deposits by $804,000, resulting in 1.63% 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 Cresson Community Bank has shown is above 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. Cresson Community Bank has $56.7 million in assets with $6.6 million in equity, resulting in a capitalization level of 11.64%, which is above average.

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