First National Bank of Pennsylvania

First National Bank of Pennsylvania is headquartered in Greenville and is the 4^th largest bank in the state of Pennsylvania. It is also the 98^th largest bank in the nation. It was established in 1864 and as of March of 2012, it had grown to 2,534 employees at 290 locations. First National Bank of Pennsylvania has a 5-star health rating.

Data for Q1 2012

Institution Statistics First National Bank of Pennsylvania FDIC Certificate # 7888 BankRate Report View Year Established 1864 Employees 2534 Primary Regulator OCC Assets and Liabilities Assets $11.53 billion Loans $7.56 billion Deposits $9.16 billion Equity Capital $1.44 billion Loan Loss Allowance $95.46 million Unbacked Noncurrent Loans $134.00 million Real Estate Owned $35.68 million Historic Data - March 2011 Assets $9.56 billion Equity Capital $1.20 billion Loan Loss Allowance $100.98 million Unbacked Noncurrent Loans $112.78 million Real Estate Owned $36.55 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.8% Return on Equity 6.35% Interest Income $98.88 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 National Bank of Pennsylvania had $169.69 million in non-current loans and owned real-estate with $1.53 billion in equity and loan loss allowances on hand to cover it. This gives First National Bank of Pennsylvania a Texas Ratio of 11.07% 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 National Bank of Pennsylvania held steady from 11.68% as of March 31, 2011 to 11.07% as of March 31, 2012, resulting in a positive change of 5.19%.This indicates that the balance sheet and financial strength for First National Bank of Pennsylvania has held steady in recent periods. Deposit Growth In the past year, First National Bank of Pennsylvania has increased its total deposits by $1.68 billion, resulting in 22.51% 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 of Pennsylvania 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 of Pennsylvania has $11.53 billion in assets with $1.53 billion in equity, resulting in a capitalization level of 13.30%, which is excellent.

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