Swineford National Bank

Swineford National Bank is headquartered in Middleburg and is the 115^st largest bank in the state of Pennsylvania. It is also the 2,283^rd largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 60 employees at 7 locations. Swineford National Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Swineford National Bank FDIC Certificate # 7774 BankRate Report View Year Established 1903 Employees 60 Primary Regulator OCC Assets and Liabilities Assets $285.35 million Loans $181.99 million Deposits $235.83 million Equity Capital $31.86 million Loan Loss Allowance $3.34 million Unbacked Noncurrent Loans $627,000 Historic Data - March 2011 Assets $294.13 million Equity Capital $28.44 million Loan Loss Allowance $3.27 million Unbacked Noncurrent Loans $731,000 Real Estate Owned $39,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.11% Return on Equity 10.11% Interest Income $2.96 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 Swineford National Bank had $627,000 in non-current loans and owned real-estate with $35.2 million in equity and loan loss allowances on hand to cover it. This gives Swineford National Bank a Texas Ratio of 1.78% 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 Swineford National Bank decreased slightly from 2.43% as of March 31, 2011 to 1.78% as of March 31, 2012, resulting in a positive change of 26.65%.This indicates that the balance sheet and financial strength for Swineford National Bank has improved slightly in recent periods. Deposit Growth In the past year, Swineford National Bank has decreased its total deposits by -$4.47 million, resulting in -1.86% 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 Swineford National Bank has shown is below average. 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. Swineford National Bank has $285.35 million in assets with $35.2 million in equity, resulting in a capitalization level of 12.33%, which is excellent.

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