The Kishacoquillas Valley National Bank of Belleville

The Kishacoquillas Valley National Bank of Belleville is headquartered in Belleville and is the 66^th largest bank in the state of Pennsylvania. It is also the 1,182^nd largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 162 employees at 14 locations. The Kishacoquillas Valley National Bank of Belleville has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Kishacoquillas Valley National Bank of Belleville FDIC Certificate # 14969 BankRate Report View Year Established 1927 Employees 162 Primary Regulator OCC Assets and Liabilities Assets $572.30 million Loans $358.82 million Deposits $468.12 million Equity Capital $53.98 million Loan Loss Allowance $7.18 million Unbacked Noncurrent Loans $6.76 million Real Estate Owned $449,000 Historic Data - March 2011 Assets $567.85 million Equity Capital $47.32 million Loan Loss Allowance $6.55 million Unbacked Noncurrent Loans $4.18 million Real Estate Owned $3.93 million Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 0.72% Return on Equity 7.58% Interest Income $5.76 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 Kishacoquillas Valley National Bank of Belleville had $7.2 million in non-current loans and owned real-estate with $61.16 million in equity and loan loss allowances on hand to cover it. This gives The Kishacoquillas Valley National Bank of Belleville a Texas Ratio of 11.78% 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 Kishacoquillas Valley National Bank of Belleville held steady from 11.69% as of March 31, 2011 to 11.78% as of March 31, 2012, resulting in a negative change of 0.81%. This indicates that the balance sheet and financial strength for The Kishacoquillas Valley National Bank of Belleville has held steady in recent periods. Deposit Growth In the past year, The Kishacoquillas Valley National Bank of Belleville has increased its total deposits by $13.14 million, resulting in 2.89% 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 Kishacoquillas Valley National Bank of Belleville 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 Kishacoquillas Valley National Bank of Belleville has $572.3 million in assets with $61.16 million in equity, resulting in a capitalization level of 10.69%, which is above average.

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