First National Bank and Trust Company of Newtown

First National Bank and Trust Company of Newtown is headquartered in Newtown and is the 42^nd largest bank in the state of Pennsylvania. It is also the 812^st largest bank in the nation. It was established in 1864 and as of March of 2012, it had grown to 169 employees at 17 locations. First National Bank and Trust Company of Newtown has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First National Bank and Trust Company of Newtown FDIC Certificate # 7658 BankRate Report View Year Established 1864 Employees 169 Primary Regulator OCC Assets and Liabilities Assets $808.03 million Loans $352.55 million Deposits $703.62 million Equity Capital $80.24 million Loan Loss Allowance $6.39 million Unbacked Noncurrent Loans $13.17 million Real Estate Owned $166,000 Historic Data - March 2011 Assets $753.57 million Equity Capital $77.11 million Loan Loss Allowance $5.37 million Unbacked Noncurrent Loans $7.32 million Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 1.27% Return on Equity 12.63% Interest Income $6.68 million

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 First National Bank and Trust Company of Newtown had $13.34 million in non-current loans and owned real-estate with $86.62 million in equity and loan loss allowances on hand to cover it. This gives First National Bank and Trust Company of Newtown a Texas Ratio of 15.40% 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 First National Bank and Trust Company of Newtown increased slightly from 8.87% as of March 31, 2011 to 15.40% as of March 31, 2012, resulting in a negative change of 73.60%. This indicates that the balance sheet and financial strength for First National Bank and Trust Company of Newtown has declined slightly in recent periods. Deposit Growth In the past year, First National Bank and Trust Company of Newtown has increased its total deposits by $44.39 million, resulting in 6.73% 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 National Bank and Trust Company of Newtown 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 National Bank and Trust Company of Newtown has $808.03 million in assets with $86.62 million in equity, resulting in a capitalization level of 10.72%, which is above average.

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