The Lorain National Bank

The Lorain National Bank is headquartered in Lorain and is the 18^st largest bank in the state of Ohio. It is also the 550^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 261 employees at 21 locations. The Lorain National Bank has a 4-star health rating.

The Lorain National Bank Routing Number: 041201114

The Lorain National Bank CD Rates

Data for Q1 2012

Institution Statistics The Lorain National Bank FDIC Certificate # 14832 BankRate Report View Year Established 1934 Employees 261 Primary Regulator OCC Assets and Liabilities Assets $1.20 billion Loans $849.57 million Deposits $1.02 billion Equity Capital $127.89 million Loan Loss Allowance $17.12 million Unbacked Noncurrent Loans $36.80 million Real Estate Owned $1.85 million Historic Data - March 2011 Assets $1.17 billion Equity Capital $121.82 million Loan Loss Allowance $17.32 million Unbacked Noncurrent Loans $38.05 million Real Estate Owned $3.35 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.59% Return on Equity 5.5% Interest Income $11.68 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 Lorain National Bank had $38.65 million in non-current loans and owned real-estate with $145 million in equity and loan loss allowances on hand to cover it. This gives The Lorain National Bank a Texas Ratio of 26.65% 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 Lorain National Bank held steady from 29.77% as of March 31, 2011 to 26.65% as of March 31, 2012, resulting in a positive change of 10.46%.This indicates that the balance sheet and financial strength for The Lorain National Bank has held steady in recent periods. Deposit Growth In the past year, The Lorain National Bank has increased its total deposits by $14.85 million, resulting in 1.48% 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 Lorain 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 Lorain National Bank has $1.2 billion in assets with $145 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

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