Insight Bank

Insight Bank is headquartered in Columbus and is the 107^th largest bank in the state of Ohio. It is also the 3,835^th largest bank in the nation. It was established in 2006 and as of September of 2011, it had grown to 39 employees at 1 location. Insight Bank has a 5-star health rating.

Insight Bank Routing Number: 044115760

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Data for Q3 2011

Institution Statistics Insight Bank FDIC Certificate # 58215 BankRate Report View Year Established 2006 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $151.32 million Loans $121.89 million Deposits $119.80 million Equity Capital $21.03 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $831,000 Historic Data - September 2010 Assets $122.27 million Equity Capital $15.00 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $627,000 Real Estate Owned $198,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 1.21% Return on Equity 10.06% Interest Income $5.22 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 September 30, 2011 Insight Bank had $831,000 in non-current loans and owned real-estate with $22.87 million in equity and loan loss allowances on hand to cover it. This gives Insight Bank a Texas Ratio of 3.63% 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 decreased slightly from 5.01% as of September 30, 2010 to 3.63% as of September 30, 2011, resulting in a positive change of 27.40%.This indicates that the balance sheet and financial strength for Insight Bank has improved slightly in recent periods. Deposit Growth In the past year, Insight Bank has increased its total deposits by $28.97 million, resulting in 31.9% 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 $151.32 million in assets with $22.87 million in equity, resulting in a capitalization level of 15.11%, which is excellent.

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