Eagle National Bank

Eagle National Bank is headquartered in Upper Darby and is the 140^th largest bank in the state of Pennsylvania. It is also the 3,104^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 38 employees at 7 locations. Eagle National Bank's money market rates are 14% higher than the national average, but it has a 2-star health rating.

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Data for Q1 2012

Institution Statistics Eagle National Bank FDIC Certificate # 26947 BankRate Report View Year Established 1987 Employees 38 Primary Regulator OCC Assets and Liabilities Assets $200.57 million Loans $153.23 million Deposits $172.89 million Equity Capital $24.36 million Loan Loss Allowance $4.03 million Unbacked Noncurrent Loans $7.95 million Real Estate Owned $2.25 million Historic Data - March 2011 Assets $231.97 million Equity Capital $23.32 million Loan Loss Allowance $5.27 million Unbacked Noncurrent Loans $5.11 million Real Estate Owned $2.90 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.28% Return on Equity 2.3% Interest Income $2.47 million

Institution Health Overall Score: 2 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 Eagle National Bank had $10.2 million in non-current loans and owned real-estate with $28.39 million in equity and loan loss allowances on hand to cover it. This gives Eagle National Bank a Texas Ratio of 35.93% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Eagle National Bank increased slightly from 28.02% as of March 31, 2011 to 35.93% as of March 31, 2012, resulting in a negative change of 28.22%. This indicates that the balance sheet and financial strength for Eagle National Bank has declined slightly in recent periods. Deposit Growth In the past year, Eagle National Bank has decreased its total deposits by -$15.42 million, resulting in -8.19% 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 Eagle National Bank has shown is poor. 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. Eagle National Bank has $200.57 million in assets with $28.39 million in equity, resulting in a capitalization level of 14.15%, which is excellent.

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