Foundation Bank

Foundation Bank is headquartered in Cincinnati and is the 90^th largest bank in the state of Ohio. It is also the 3,050^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 31 employees at 5 locations. Foundation Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Foundation Bank OTS # 02230 FDIC Certificate # 28724 BankRate Report View Year Established 1888 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $205.55 million Loans $177.19 million Deposits $144.68 million Equity Capital $27.95 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.45 million Historic Data - March 2011 Assets $173.61 million Equity Capital $25.62 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $464,000 Real Estate Owned $20,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 1.43% Return on Equity 10.57% Interest Income $2.43 million

Institution Health Overall Score: 5 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 Foundation Bank had $1.45 million in non-current loans and owned real-estate with $29.28 million in equity and loan loss allowances on hand to cover it. This gives Foundation Bank a Texas Ratio of 4.97% 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 Foundation Bank held steady from 1.79% as of March 31, 2011 to 4.97% as of March 31, 2012, resulting in a negative change of 178.16%. This indicates that the balance sheet and financial strength for Foundation Bank has held steady in recent periods. Deposit Growth In the past year, Foundation Bank has increased its total deposits by $9.76 million, resulting in 7.24% 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 Foundation Bank 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. Foundation Bank has $205.55 million in assets with $29.28 million in equity, resulting in a capitalization level of 14.24%, which is excellent.

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