The Gratz National Bank

The Gratz National Bank is headquartered in Gratz and is the 145^th largest bank in the state of Pennsylvania. It is also the 3,413^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 30 employees at 4 locations. The Gratz National Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Gratz National Bank FDIC Certificate # 14863 BankRate Report View Year Established 1934 Employees 30 Primary Regulator OCC Assets and Liabilities Assets $178.94 million Loans $109.64 million Deposits $151.15 million Equity Capital $23.32 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $1.08 million Historic Data - March 2011 Assets $147.36 million Equity Capital $18.17 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $808,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.73% Return on Equity 13.29% Interest Income $1.95 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 Gratz National Bank had $1.08 million in non-current loans and owned real-estate with $24.8 million in equity and loan loss allowances on hand to cover it. This gives The Gratz National Bank a Texas Ratio of 4.37% 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 Gratz National Bank held steady from 4.22% as of March 31, 2011 to 4.37% as of March 31, 2012, resulting in a negative change of 3.67%. This indicates that the balance sheet and financial strength for The Gratz National Bank has held steady in recent periods. Deposit Growth In the past year, The Gratz National Bank has increased its total deposits by $27.55 million, resulting in 22.29% 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 Gratz National Bank 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 Gratz National Bank has $178.94 million in assets with $24.8 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

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