The Pennsville National Bank

The Pennsville National Bank is headquartered in Pennsville and is the 81^st largest bank in the state of New Jersey. It is also the 3,143^rd largest bank in the nation. It was established in 1969 and as of March of 2012, it had grown to 46 employees at 5 locations. The Pennsville National Bank's savings rates are 3X the national average, and it has a 3-star health rating.

The Pennsville National Bank Checking Account Rates

The Pennsville National Bank Savings Account Rates

The Pennsville National Bank Money Market Rates

The Pennsville National Bank CD Rates

Data for Q1 2012

Institution Statistics The Pennsville National Bank FDIC Certificate # 19978 BankRate Report View Year Established 1969 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $197.98 million Loans $61.03 million Deposits $177.59 million Equity Capital $18.89 million Loan Loss Allowance $878,000 Unbacked Noncurrent Loans $1.39 million Real Estate Owned $192,000 Historic Data - March 2011 Assets $199.39 million Equity Capital $16.33 million Loan Loss Allowance $807,000 Unbacked Noncurrent Loans $1.21 million Profit Margin - Quarterly Net Interest Margin 3.02% Return on Assets 0.61% Return on Equity 6.41% Interest Income $1.67 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 Pennsville National Bank had $1.58 million in non-current loans and owned real-estate with $19.77 million in equity and loan loss allowances on hand to cover it. This gives The Pennsville National Bank a Texas Ratio of 8.01% 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 Pennsville National Bank held steady from 7.06% as of March 31, 2011 to 8.01% as of March 31, 2012, resulting in a negative change of 13.43%. This indicates that the balance sheet and financial strength for The Pennsville National Bank has held steady in recent periods. Deposit Growth In the past year, The Pennsville National Bank has decreased its total deposits by -$4.64 million, resulting in -2.55% 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 Pennsville National Bank has shown is below 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 Pennsville National Bank has $197.98 million in assets with $19.77 million in equity, resulting in a capitalization level of 9.99%, which is average.

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