First Federal Community Bank of Bucyrus

First Federal Community Bank of Bucyrus is headquartered in Bucyrus and is the 122^nd largest bank in the state of Ohio. It is also the 4,160^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 42 employees at 5 locations. First Federal Community Bank of Bucyrus has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Federal Community Bank of Bucyrus OTS # 03920 FDIC Certificate # 29705 BankRate Report View Year Established 1887 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $134.31 million Loans $85.85 million Deposits $107.74 million Equity Capital $13.60 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $2.92 million Real Estate Owned $509,000 Historic Data - March 2011 Assets $133.43 million Equity Capital $13.11 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $2.85 million Real Estate Owned $828,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.43% Return on Equity 4.22% Interest Income $1.40 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 First Federal Community Bank of Bucyrus had $3.43 million in non-current loans and owned real-estate with $15.35 million in equity and loan loss allowances on hand to cover it. This gives First Federal Community Bank of Bucyrus a Texas Ratio of 22.34% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Federal Community Bank of Bucyrus held steady from 25.17% as of March 31, 2011 to 22.34% as of March 31, 2012, resulting in a positive change of 11.24%.This indicates that the balance sheet and financial strength for First Federal Community Bank of Bucyrus has held steady in recent periods. Deposit Growth In the past year, First Federal Community Bank of Bucyrus has increased its total deposits by $1.21 million, resulting in 1.13% 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 First Federal Community Bank of Bucyrus 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. First Federal Community Bank of Bucyrus has $134.3 million in assets with $15.35 million in equity, resulting in a capitalization level of 11.43%, which is above average.

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