Guardian Savings Bank, A Federal Savings Bank

Guardian Savings Bank, A Federal Savings Bank is headquartered in Cincinnati and is the 24^th largest bank in the state of Ohio. It is also the 835^th largest bank in the nation. It was established in 1895 and as of March of 2012, it had grown to 186 employees at 10 locations. Guardian Savings Bank, A Federal Savings Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Guardian Savings Bank, A Federal Savings Bank OTS # 00709 FDIC Certificate # 27998 BankRate Report View Year Established 1895 Employees 186 Primary Regulator OCC Assets and Liabilities Assets $790.46 million Loans $528.76 million Deposits $719.19 million Equity Capital $65.16 million Loan Loss Allowance $7.31 million Unbacked Noncurrent Loans $15.03 million Real Estate Owned $2.81 million Historic Data - March 2011 Assets $719.13 million Equity Capital $56.37 million Loan Loss Allowance $6.35 million Unbacked Noncurrent Loans $8.91 million Real Estate Owned $988,000 Profit Margin - Quarterly Net Interest Margin 2.82% Return on Assets 4.37% Return on Equity 55.53% Interest Income $6.60 million

Institution Health Overall Score: 3 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 Guardian Savings Bank, A Federal Savings Bank had $17.84 million in non-current loans and owned real-estate with $72.46 million in equity and loan loss allowances on hand to cover it. This gives Guardian Savings Bank, A Federal Savings Bank a Texas Ratio of 24.62% 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 Guardian Savings Bank, A Federal Savings Bank increased slightly from 15.77% as of March 31, 2011 to 24.62% as of March 31, 2012, resulting in a negative change of 56.08%. This indicates that the balance sheet and financial strength for Guardian Savings Bank, A Federal Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, Guardian Savings Bank, A Federal Savings Bank has increased its total deposits by $64.14 million, resulting in 9.79% 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 Guardian Savings Bank, A Federal Savings 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. Guardian Savings Bank, A Federal Savings Bank has $790.46 million in assets with $72.46 million in equity, resulting in a capitalization level of 9.17%, which is average.

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