Marion Center Bank

Marion Center Bank is headquartered in Indiana and is the 121^st largest bank in the state of Pennsylvania. It is also the 2,464^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 77 employees at 7 locations. Marion Center Bank's savings rates are 3X the national average, and it has a 4-star health rating.

Marion Center Bank Routing Number: 043312373

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Data for Q1 2012

Institution Statistics Marion Center Bank FDIC Certificate # 7909 BankRate Report View Year Established 1905 Employees 77 Primary Regulator FDIC Assets and Liabilities Assets $261.38 million Loans $123.26 million Deposits $228.15 million Equity Capital $18.42 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $3.31 million Real Estate Owned $453,000 Historic Data - March 2011 Assets $244.89 million Equity Capital $16.92 million Loan Loss Allowance $3.03 million Unbacked Noncurrent Loans $4.28 million Real Estate Owned $454,000 Profit Margin - Quarterly Net Interest Margin 3.03% Return on Assets 0.65% Return on Equity 9.02% Interest Income $2.56 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 Marion Center Bank had $3.76 million in non-current loans and owned real-estate with $20.12 million in equity and loan loss allowances on hand to cover it. This gives Marion Center Bank a Texas Ratio of 18.70% 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 Marion Center Bank decreased slightly from 23.73% as of March 31, 2011 to 18.70% as of March 31, 2012, resulting in a positive change of 21.19%.This indicates that the balance sheet and financial strength for Marion Center Bank has improved slightly in recent periods. Deposit Growth In the past year, Marion Center Bank has increased its total deposits by $22.91 million, resulting in 11.16% 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 Marion Center 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. Marion Center Bank has $261.38 million in assets with $20.12 million in equity, resulting in a capitalization level of 7.70%, which is below average.

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