First Citizens National Bank

First Citizens National Bank is headquartered in Mansfield and is the 34^th largest bank in the state of Pennsylvania. It is also the 730^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 178 employees at 17 locations. First Citizens National Bank has a 5-star health rating.

First Citizens National Bank Routing Number: 031309589

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Data for Q1 2012

Institution Statistics First Citizens National Bank FDIC Certificate # 7593 BankRate Report View Year Established 1932 Employees 178 Primary Regulator OCC Assets and Liabilities Assets $908.01 million Loans $484.75 million Deposits $746.73 million Equity Capital $86.33 million Loan Loss Allowance $6.55 million Unbacked Noncurrent Loans $8.11 million Real Estate Owned $836,000 Historic Data - March 2011 Assets $838.80 million Equity Capital $73.41 million Loan Loss Allowance $6.07 million Unbacked Noncurrent Loans $8.41 million Real Estate Owned $912,000 Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets 1.59% Return on Equity 16.63% Interest Income $9.63 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 First Citizens National Bank had $8.95 million in non-current loans and owned real-estate with $92.87 million in equity and loan loss allowances on hand to cover it. This gives First Citizens National Bank a Texas Ratio of 9.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Citizens National Bank decreased slightly from 11.72% as of March 31, 2011 to 9.63% as of March 31, 2012, resulting in a positive change of 17.83%.This indicates that the balance sheet and financial strength for First Citizens National Bank has improved slightly in recent periods. Deposit Growth In the past year, First Citizens National Bank has increased its total deposits by $38.1 million, resulting in 5.38% 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 First Citizens 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. First Citizens National Bank has $908.01 million in assets with $92.87 million in equity, resulting in a capitalization level of 10.23%, which is above average.

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