The First National Bank of Mercersburg

The First National Bank of Mercersburg is headquartered in Mercersburg and is the 144^th largest bank in the state of Pennsylvania. It is also the 3,336^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 57 employees at 7 locations. The First National Bank of Mercersburg has a 3-star health rating.

The First National Bank of Mercersburg CD Rates

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Data for Q1 2012

Institution Statistics The First National Bank of Mercersburg FDIC Certificate # 7609 BankRate Report View Year Established 1909 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $183.51 million Loans $129.04 million Deposits $163.92 million Equity Capital $16.98 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $3.67 million Real Estate Owned $1.66 million Historic Data - March 2011 Assets $184.63 million Equity Capital $15.70 million Loan Loss Allowance $2.64 million Unbacked Noncurrent Loans $5.14 million Real Estate Owned $820,000 Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.44% Return on Equity 4.74% Interest Income $1.94 million

Institution Health Overall Score: 3 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 First National Bank of Mercersburg had $5.33 million in non-current loans and owned real-estate with $19.45 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Mercersburg a Texas Ratio of 27.40% 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 First National Bank of Mercersburg decreased slightly from 32.49% as of March 31, 2011 to 27.40% as of March 31, 2012, resulting in a positive change of 15.67%.This indicates that the balance sheet and financial strength for The First National Bank of Mercersburg has improved slightly in recent periods. Deposit Growth In the past year, The First National Bank of Mercersburg has decreased its total deposits by -$2.68 million, resulting in -1.61% 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 First National Bank of Mercersburg 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. The First National Bank of Mercersburg has $183.51 million in assets with $19.45 million in equity, resulting in a capitalization level of 10.60%, which is above average.

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