Benchmark Bank

Benchmark Bank is headquartered in Gahanna and is the 141^st largest bank in the state of Ohio. It is also the 4,613^st largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 35 employees at 2 locations. Benchmark Bank's savings rates are 44% higher than the national average, but it has a 2-star health rating.

Benchmark Bank Routing Number: 044072311

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Data for Q4 2011

Institution Statistics Benchmark Bank FDIC Certificate # 57949 BankRate Report View Year Established 2005 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $113.14 million Loans $89.84 million Deposits $97.16 million Equity Capital $10.48 million Loan Loss Allowance $3.51 million Unbacked Noncurrent Loans $8.60 million Real Estate Owned $5.45 million Historic Data - December 2010 Assets $125.47 million Equity Capital $9.72 million Loan Loss Allowance $4.26 million Unbacked Noncurrent Loans $14.93 million Real Estate Owned $5.14 million Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets -0.91% Return on Equity -10.62% Interest Income $5.36 million

Institution Health Overall Score: 2 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 December 31, 2011 Benchmark Bank had $14.05 million in non-current loans and owned real-estate with $13.99 million in equity and loan loss allowances on hand to cover it. This gives Benchmark Bank a Texas Ratio of 100.41% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Benchmark Bank decreased slightly from 143.66% as of December 31, 2010 to 100.41% as of December 31, 2011, resulting in a positive change of 30.11%.This indicates that the balance sheet and financial strength for Benchmark Bank has improved slightly in recent periods. Deposit Growth In the past year, Benchmark Bank has decreased its total deposits by -$12.83 million, resulting in -11.67% 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 Benchmark Bank has shown is poor. 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. Benchmark Bank has $113.14 million in assets with $13.99 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

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