The Ephrata National Bank

The Ephrata National Bank is headquartered in Ephrata and is the 45^th largest bank in the state of Pennsylvania. It is also the 860^th largest bank in the nation. It was established in 1881 and as of March of 2012, it had grown to 204 employees at 11 locations. The Ephrata National Bank has a 5-star health rating.

The Ephrata National Bank Routing Number: 031308250

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Data for Q1 2012

Institution Statistics The Ephrata National Bank FDIC Certificate # 7493 BankRate Report View Year Established 1881 Employees 204 Primary Regulator OCC Assets and Liabilities Assets $768.49 million Loans $403.19 million Deposits $606.92 million Equity Capital $83.16 million Loan Loss Allowance $8.21 million Unbacked Noncurrent Loans $1.87 million Real Estate Owned $132,000 Historic Data - March 2011 Assets $755.52 million Equity Capital $74.52 million Loan Loss Allowance $7.58 million Unbacked Noncurrent Loans $2.20 million Real Estate Owned $400,000 Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 1.16% Return on Equity 10.82% Interest Income $7.33 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 The Ephrata National Bank had $2 million in non-current loans and owned real-estate with $91.37 million in equity and loan loss allowances on hand to cover it. This gives The Ephrata National Bank a Texas Ratio of 2.19% 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 The Ephrata National Bank decreased slightly from 3.17% as of March 31, 2011 to 2.19% as of March 31, 2012, resulting in a positive change of 30.74%.This indicates that the balance sheet and financial strength for The Ephrata National Bank has improved slightly in recent periods. Deposit Growth In the past year, The Ephrata National Bank has increased its total deposits by $11.16 million, resulting in 1.87% 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 Ephrata National Bank has shown is above 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. The Ephrata National Bank has $768.49 million in assets with $91.37 million in equity, resulting in a capitalization level of 11.89%, which is above average.

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