The Citizens National Bank of Meyersdale

The Citizens National Bank of Meyersdale is headquartered in Meyersdale and is the 177^th largest bank in the state of Pennsylvania. It is also the 5,222^nd largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 17 employees at 1 location. The Citizens National Bank of Meyersdale has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Citizens National Bank of Meyersdale FDIC Certificate # 7919 BankRate Report View Year Established 1869 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $89.93 million Loans $51.04 million Deposits $79.16 million Equity Capital $9.90 million Loan Loss Allowance $455,000 Unbacked Noncurrent Loans $1.94 million Real Estate Owned $80,000 Historic Data - March 2011 Assets $80.57 million Equity Capital $9.05 million Loan Loss Allowance $398,000 Unbacked Noncurrent Loans $931,000 Real Estate Owned $201,000 Profit Margin - Quarterly Net Interest Margin 2.7% Return on Assets 0.55% Return on Equity 4.94% Interest Income $891,000

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 The Citizens National Bank of Meyersdale had $2.02 million in non-current loans and owned real-estate with $10.36 million in equity and loan loss allowances on hand to cover it. This gives The Citizens National Bank of Meyersdale a Texas Ratio of 19.52% 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 The Citizens National Bank of Meyersdale increased slightly from 11.98% as of March 31, 2011 to 19.52% as of March 31, 2012, resulting in a negative change of 62.91%. This indicates that the balance sheet and financial strength for The Citizens National Bank of Meyersdale has declined slightly in recent periods. Deposit Growth In the past year, The Citizens National Bank of Meyersdale has increased its total deposits by $8.47 million, resulting in 11.99% 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 The Citizens National Bank of Meyersdale 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. The Citizens National Bank of Meyersdale has $89.93 million in assets with $10.36 million in equity, resulting in a capitalization level of 11.52%, which is above average.

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