The Northumberland National Bank

The Northumberland National Bank is headquartered in Northumberland and is the 78^th largest bank in the state of Pennsylvania. It is also the 1,457^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 93 employees at 7 locations. The Northumberland National Bank's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

The Northumberland National Bank Checking Account Rates

The Northumberland National Bank Savings Account Rates

The Northumberland National Bank Money Market Rates

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The Northumberland National Bank IRA Rates

Data for Q1 2012

Institution Statistics The Northumberland National Bank FDIC Certificate # 7666 BankRate Report View Year Established 1903 Employees 93 Primary Regulator OCC Assets and Liabilities Assets $457.08 million Loans $249.12 million Deposits $410.51 million Equity Capital $38.65 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $544,000 Real Estate Owned $195,000 Historic Data - March 2011 Assets $427.82 million Equity Capital $34.99 million Loan Loss Allowance $2.58 million Unbacked Noncurrent Loans $1.78 million Real Estate Owned $206,000 Profit Margin - Quarterly Net Interest Margin 2.82% Return on Assets 0.96% Return on Equity 11.34% Interest Income $4.34 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 Northumberland National Bank had $739,000 in non-current loans and owned real-estate with $41.17 million in equity and loan loss allowances on hand to cover it. This gives The Northumberland National Bank a Texas Ratio of 1.79% 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 Northumberland National Bank decreased significantly from 5.28% as of March 31, 2011 to 1.79% as of March 31, 2012, resulting in a positive change of 66.00%.This indicates that the balance sheet and financial strength for The Northumberland National Bank has improved significantly in recent periods. Deposit Growth In the past year, The Northumberland National Bank has increased its total deposits by $24 million, resulting in 6.21% 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 Northumberland 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 Northumberland National Bank has $457.08 million in assets with $41.17 million in equity, resulting in a capitalization level of 9.01%, which is average.

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