Emerald Bank (OH)

Emerald Bank (OH) is headquartered in Dublin and is the 175^th largest bank in the state of Ohio. It is also the 5,451^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 11 employees at 2 locations. Emerald Bank (OH)'s savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Emerald Bank FDIC Certificate # 57550 BankRate Report View Year Established 2004 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $80.84 million Loans $48.90 million Deposits $65.98 million Equity Capital $11.10 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $4.64 million Real Estate Owned $551,000 Historic Data - March 2011 Assets $74.77 million Equity Capital $9.73 million Loan Loss Allowance $2.29 million Unbacked Noncurrent Loans $5.63 million Real Estate Owned $557,000 Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 0.11% Return on Equity 0.76% Interest Income $819,000

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 Emerald Bank (OH) had $5.19 million in non-current loans and owned real-estate with $13.3 million in equity and loan loss allowances on hand to cover it. This gives Emerald Bank (OH) a Texas Ratio of 39.06% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Emerald Bank (OH) decreased slightly from 51.48% as of March 31, 2011 to 39.06% as of March 31, 2012, resulting in a positive change of 24.13%.This indicates that the balance sheet and financial strength for Emerald Bank (OH) has improved slightly in recent periods. Deposit Growth In the past year, Emerald Bank (OH) has increased its total deposits by $4.66 million, resulting in 7.6% 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 Emerald Bank (OH) 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. Emerald Bank (OH) has $80.83 million in assets with $13.3 million in equity, resulting in a capitalization level of 16.45%, which is excellent.

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