Kingston National Bank

Kingston National Bank is headquartered in Kingston and is the 88^th largest bank in the state of Ohio. It is also the 3,027^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 41 employees at 5 locations. Kingston National Bank has a 4-star health rating.

Kingston National Bank Routing Number: 044210063

Data for Q1 2012

Institution Statistics Kingston National Bank FDIC Certificate # 6616 BankRate Report View Year Established 1909 Employees 41 Primary Regulator OCC Assets and Liabilities Assets $207.71 million Loans $126.24 million Deposits $178.82 million Equity Capital $22.14 million Loan Loss Allowance $1.65 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $10,000 Historic Data - March 2011 Assets $185.43 million Equity Capital $20.18 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $108,000 Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 1% Return on Equity 9.18% Interest Income $2.28 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 Kingston National Bank had $2.06 million in non-current loans and owned real-estate with $23.79 million in equity and loan loss allowances on hand to cover it. This gives Kingston National Bank a Texas Ratio of 8.64% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kingston National Bank held steady from 7.03% as of March 31, 2011 to 8.64% as of March 31, 2012, resulting in a negative change of 22.97%. This indicates that the balance sheet and financial strength for Kingston National Bank has held steady in recent periods. Deposit Growth In the past year, Kingston National Bank has increased its total deposits by $22.19 million, resulting in 14.17% 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 Kingston National 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. Kingston National Bank has $207.71 million in assets with $23.79 million in equity, resulting in a capitalization level of 11.45%, which is above average.

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