Mauch Chunk Trust Company

1111 North Street
Jim Thorpe, PA 18229
www.mauchchunktrust.com

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Mauch Chunk Trust Company is headquartered in Jim Thorpe and is the 105^th largest bank in the state of Pennsylvania. It is also the 2,058^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 77 employees at 7 locations. Mauch Chunk Trust Company has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Mauch Chunk Trust Company Checking Account Rates

Apy	Min	Max	Product
0.10%	$100k	-	Business Interest Checking
0.05%	$3,500	-	Select Checking
0.05%	-	-	Royal 50 Checking
0.05%	$1k	-	Community Checking Plus Interest
0.05%	$3,500	-	Select Business Checking

Mauch Chunk Trust Company Savings Account Rates

Apy	Min	Max	Product
0.30%	$50k	-	Business Money Market Savings Account
0.15%	$2,500	-	Dream Builders Savings
0.05%	-	-	Statement Savings

Mauch Chunk Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.30%	$50k	-	Investors Money Market Account

Mauch Chunk Trust Company CD Rates

Apy	Min	Max	Product
0.85%	$500	-	5 Year Business Growth CD
0.85%	$500	-	5 Year Income CD
0.85%	$500	-	5 Year Growth CD
0.85%	$500	-	5 Year Business Income CD
0.65%	$500	-	4 Year Business Growth CD
0.65%	$500	-	4 Year Income CD
0.65%	$500	-	4 Year Growth CD
0.65%	$500	-	4 Year Business Income CD
0.40%	$500	-	3 Year Business Growth CD
0.40%	$500	-	3 1/2 Year Step-Up CD
0.40%	$500	-	3 Year Income CD
0.40%	$500	-	3 1/2 Year Business Step-Up CD
0.40%	$500	-	3 Year Growth CD
0.40%	$500	-	3 Year Business Income CD
0.30%	$500	-	2 Year Business Growth CD
0.30%	$500	-	2 Year Income CD
0.30%	$500	-	2 Year Growth CD
0.30%	$500	-	2 Year Business Income CD
0.15%	$500	-	1 Year Growth CD
0.15%	$500	-	1 Year Business Income CD
0.15%	$500	-	1 Year Jumbo CD
0.15%	$500	-	1 Year Business Growth CD
0.15%	$500	-	1 Year Income CD
0.10%	$500	-	3 Month Business Growth CD
0.10%	$500	-	6 Month Growth CD
0.10%	$500	-	3 Month Income CD
0.10%	$500	-	6 Month Business Income CD
0.10%	$500	-	3 Month Growth CD
0.10%	$500	-	3 Month Business Income CD
0.10%	$500	-	3 Month Jumbo CD
0.10%	$500	-	6 Month Business Growth CD
0.10%	$500	-	6 Month Income CD
0.10%	$500	-	6 Month Business Jumbo CD

Mauch Chunk Trust Company IRA Rates

Apy	Min	Max	Product
0.85%	$100	-	5 Year IRA
0.65%	$100	-	4 Year IRA
0.40%	$100	-	3 Year IRA
0.40%	$100	-	3 1/2 Year Step-Up IRA
0.30%	$100	-	2 Year IRA
0.15%	$100	-	1 Year IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Mauch Chunk Trust Company
FDIC Certificate #	2359
BankRate Report	View
Year Established	1902
Employees	77
Primary Regulator	FDIC
Assets and Liabilities
Assets	$317.05 million
Loans	$129.84 million
Deposits	$240.23 million
Equity Capital	$32.99 million
Loan Loss Allowance	$2.78 million
Unbacked Noncurrent Loans	$2.56 million
Historic Data - March 2011
Assets	$297.14 million
Equity Capital	$29.80 million
Loan Loss Allowance	$3.52 million
Unbacked Noncurrent Loans	$3.68 million
Real Estate Owned	$1.51 million
Profit Margin - Quarterly
Net Interest Margin	3.66%
Return on Assets	1.29%
Return on Equity	12.63%
Interest Income	$3.19 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 Mauch Chunk Trust Company had $2.56 million in non-current loans and owned real-estate with $35.76 million in equity and loan loss allowances on hand to cover it. This gives Mauch Chunk Trust Company a Texas Ratio of 7.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Mauch Chunk Trust Company decreased significantly from 15.59% as of March 31, 2011 to 7.16% as of March 31, 2012, resulting in a positive change of 54.09%.This indicates that the balance sheet and financial strength for Mauch Chunk Trust Company has improved significantly in recent periods.
Deposit Growth
In the past year, Mauch Chunk Trust Company has increased its total deposits by $11.94 million, resulting in 5.23% 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 Mauch Chunk Trust Company 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. Mauch Chunk Trust Company has $317.04 million in assets with $35.76 million in equity, resulting in a capitalization level of 11.28%, which is above average.

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