The Farmers National Bank of Emlenton

The Farmers National Bank of Emlenton is headquartered in Emlenton and is the 73^rd largest bank in the state of Pennsylvania. It is also the 1,326^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 112 employees at 13 locations. The Farmers National Bank of Emlenton has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Farmers National Bank of Emlenton FDIC Certificate # 7875 BankRate Report View Year Established 1900 Employees 112 Primary Regulator OCC Assets and Liabilities Assets $511.31 million Loans $321.19 million Deposits $437.52 million Equity Capital $49.12 million Loan Loss Allowance $3.64 million Unbacked Noncurrent Loans $4.92 million Real Estate Owned $256,000 Historic Data - March 2011 Assets $491.55 million Equity Capital $45.19 million Loan Loss Allowance $3.94 million Unbacked Noncurrent Loans $7.43 million Real Estate Owned $319,000 Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 0.67% Return on Equity 6.88% Interest Income $5.21 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 The Farmers National Bank of Emlenton had $5.17 million in non-current loans and owned real-estate with $52.76 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Emlenton a Texas Ratio of 9.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Farmers National Bank of Emlenton decreased slightly from 15.77% as of March 31, 2011 to 9.80% as of March 31, 2012, resulting in a positive change of 37.84%.This indicates that the balance sheet and financial strength for The Farmers National Bank of Emlenton has improved slightly in recent periods. Deposit Growth In the past year, The Farmers National Bank of Emlenton has increased its total deposits by $19.46 million, resulting in 4.65% 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 Farmers National Bank of Emlenton 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 Farmers National Bank of Emlenton has $511.31 million in assets with $52.76 million in equity, resulting in a capitalization level of 10.32%, which is above average.

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