DNB First Bank

DNB First Bank is headquartered in Downingtown and is the 60^th largest bank in the state of Pennsylvania. It is also the 1,086^th largest bank in the nation. It was established in 1861 and as of September of 2011, it had grown to 120 employees at 13 locations. DNB First Bank has a 3-star health rating.

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Data for Q3 2011

Institution Statistics DNB First, National Association FDIC Certificate # 7464 BankRate Report View Year Established 1861 Employees 120 Primary Regulator OCC Assets and Liabilities Assets $610.18 million Loans $405.00 million Deposits $498.87 million Equity Capital $59.53 million Loan Loss Allowance $6.37 million Unbacked Noncurrent Loans $8.03 million Real Estate Owned $3.79 million Historic Data - September 2010 Assets $607.14 million Equity Capital $55.90 million Loan Loss Allowance $6.11 million Unbacked Noncurrent Loans $8.62 million Real Estate Owned $3.52 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.83% Return on Equity 9.02% Interest Income $19.74 million

Institution Health Overall Score: 3 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 September 30, 2011 DNB First Bank had $11.82 million in non-current loans and owned real-estate with $65.9 million in equity and loan loss allowances on hand to cover it. This gives DNB First Bank a Texas Ratio of 17.93% 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 DNB First Bank held steady from 19.57% as of September 30, 2010 to 17.93% as of September 30, 2011, resulting in a positive change of 8.38%.This indicates that the balance sheet and financial strength for DNB First Bank has held steady in recent periods. Deposit Growth In the past year, DNB First Bank has increased its total deposits by $4.34 million, resulting in 0.88% 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 DNB First Bank 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. DNB First Bank has $610.18 million in assets with $65.9 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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