Insight Bank

Insight Bank is headquartered in Columbus and is the 105^th largest bank in the state of Ohio. It is also the 3,744^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 43 employees at 1 location. Insight Bank has a 5-star health rating.

Insight Bank Routing Number: 044115760

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Data for Q1 2012

Institution Statistics Insight Bank FDIC Certificate # 58215 BankRate Report View Year Established 2006 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $157.57 million Loans $130.92 million Deposits $125.41 million Equity Capital $21.71 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $830,000 Historic Data - March 2011 Assets $140.40 million Equity Capital $15.59 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $625,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.78% Return on Equity 5.7% Interest Income $1.85 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 Insight Bank had $830,000 in non-current loans and owned real-estate with $23.77 million in equity and loan loss allowances on hand to cover it. This gives Insight Bank a Texas Ratio of 3.49% 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 Insight Bank held steady from 3.62% as of March 31, 2011 to 3.49% as of March 31, 2012, resulting in a positive change of 3.48%.This indicates that the balance sheet and financial strength for Insight Bank has held steady in recent periods. Deposit Growth In the past year, Insight Bank has increased its total deposits by $15.61 million, resulting in 14.22% 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 Insight 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. Insight Bank has $157.57 million in assets with $23.77 million in equity, resulting in a capitalization level of 15.09%, which is excellent.

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