FDS Bank

FDS Bank is headquartered in Mason and is the 116^st largest bank in the state of Ohio. It is also the 4,057^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 2,772 employees at 1 location. FDS Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics FDS Bank OTS # 16138 FDIC Certificate # 33831 BankRate Report View Year Established 1993 Employees 2772 Primary Regulator OCC Assets and Liabilities Assets $139.25 million Loans $3.67 million Deposits $20.00 million Equity Capital $43.63 million Loan Loss Allowance $122,000 Unbacked Noncurrent Loans $45,000 Historic Data - March 2011 Assets $132.03 million Equity Capital $32.72 million Loan Loss Allowance $139,000 Unbacked Noncurrent Loans $10,000 Profit Margin - Quarterly Net Interest Margin 0.37% Return on Assets 185.38% Return on Equity 499.66% Interest Income $130,000

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 FDS Bank had $45,000 in non-current loans and owned real-estate with $43.75 million in equity and loan loss allowances on hand to cover it. This gives FDS Bank a Texas Ratio of 0.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for FDS Bank held steady from 0.03% as of March 31, 2011 to 0.10% as of March 31, 2012, resulting in a negative change of 237.95%. This indicates that the balance sheet and financial strength for FDS Bank has held steady in recent periods. Deposit Growth In the past year, FDS Bank has decreased its total deposits by -$1.23 million, resulting in -5.77% 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 FDS 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. FDS Bank has $139.25 million in assets with $43.75 million in equity, resulting in a capitalization level of 31.42%, which is excellent.

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