Lake National Bank

Lake National Bank is headquartered in Mentor and is the 133^rd largest bank in the state of Ohio. It is also the 4,443^rd largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 25 employees at 1 location. Lake National Bank has a 4-star health rating.

Lake National Bank Routing Number: 041215692

Data for Q1 2012

Institution Statistics Lake National Bank FDIC Certificate # 57879 BankRate Report View Year Established 2005 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $120.95 million Loans $90.26 million Deposits $108.45 million Equity Capital $11.70 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $2.77 million Historic Data - March 2011 Assets $108.21 million Equity Capital $10.96 million Loan Loss Allowance $1.96 million Unbacked Noncurrent Loans $2.81 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 0.78% Return on Equity 8.15% Interest Income $1.43 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 Lake National Bank had $2.77 million in non-current loans and owned real-estate with $13.53 million in equity and loan loss allowances on hand to cover it. This gives Lake National Bank a Texas Ratio of 20.44% 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 Lake National Bank held steady from 21.73% as of March 31, 2011 to 20.44% as of March 31, 2012, resulting in a positive change of 5.91%.This indicates that the balance sheet and financial strength for Lake National Bank has held steady in recent periods. Deposit Growth In the past year, Lake National Bank has increased its total deposits by $11.48 million, resulting in 11.84% 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 Lake 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. Lake National Bank has $120.94 million in assets with $13.53 million in equity, resulting in a capitalization level of 11.19%, which is above average.

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