The Turbotville National Bank

The Turbotville National Bank is headquartered in Turbotville and is the 167^th largest bank in the state of Pennsylvania. It is also the 4,441^st largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 18 employees at 1 location. The Turbotville National Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

The Turbotville National Bank Checking Account Rates

The Turbotville National Bank Savings Account Rates

The Turbotville National Bank Money Market Rates

The Turbotville National Bank CD Rates

The Turbotville National Bank IRA Rates

Data for Q1 2012

Institution Statistics The Turbotville National Bank FDIC Certificate # 7789 BankRate Report View Year Established 1910 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $121.03 million Loans $60.77 million Deposits $101.47 million Equity Capital $17.54 million Loan Loss Allowance $858,000 Unbacked Noncurrent Loans $1.61 million Real Estate Owned $50,000 Historic Data - March 2011 Assets $115.06 million Equity Capital $15.44 million Loan Loss Allowance $764,000 Unbacked Noncurrent Loans $813,000 Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 1.38% Return on Equity 9.5% Interest Income $1.27 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 Turbotville National Bank had $1.66 million in non-current loans and owned real-estate with $18.4 million in equity and loan loss allowances on hand to cover it. This gives The Turbotville National Bank a Texas Ratio of 9.02% 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 Turbotville National Bank held steady from 5.02% as of March 31, 2011 to 9.02% as of March 31, 2012, resulting in a negative change of 79.71%. This indicates that the balance sheet and financial strength for The Turbotville National Bank has held steady in recent periods. Deposit Growth In the past year, The Turbotville National Bank has increased its total deposits by $4.23 million, resulting in 4.35% 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 Turbotville 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 Turbotville National Bank has $121.03 million in assets with $18.4 million in equity, resulting in a capitalization level of 15.20%, which is excellent.

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