The Park National Bank

The Park National Bank is headquartered in Newark and is the 8^th largest bank in the state of Ohio. It is also the 141^st largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 1,713 employees at 123 locations. The Park National Bank has a 3-star health rating.

The Park National Bank Routing Number: 044101305

Data for Q1 2012

Institution Statistics The Park National Bank FDIC Certificate # 6653 BankRate Report View Year Established 1908 Employees 1713 Primary Regulator OCC Assets and Liabilities Assets $6.59 billion Loans $4.15 billion Deposits $4.96 billion Equity Capital $419.62 million Loan Loss Allowance $57.41 million Unbacked Noncurrent Loans $102.46 million Real Estate Owned $13.39 million Historic Data - March 2011 Assets $6.57 billion Equity Capital $418.41 million Loan Loss Allowance $74.25 million Unbacked Noncurrent Loans $115.78 million Real Estate Owned $9.79 million Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 1.34% Return on Equity 20.6% Interest Income $68.72 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 Park National Bank had $115.85 million in non-current loans and owned real-estate with $477.03 million in equity and loan loss allowances on hand to cover it. This gives The Park National Bank a Texas Ratio of 24.29% 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 Park National Bank held steady from 25.31% as of March 31, 2011 to 24.29% as of March 31, 2012, resulting in a positive change of 4.06%.This indicates that the balance sheet and financial strength for The Park National Bank has held steady in recent periods. Deposit Growth In the past year, The Park National Bank has increased its total deposits by $89.27 million, resulting in 1.83% 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 Park 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 Park National Bank has $6.59 billion in assets with $477.03 million in equity, resulting in a capitalization level of 7.24%, which is below average.

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