Mt Washington Savings and Loan

Mt Washington Savings and Loan is headquartered in Cincinnati and is the 170^th largest bank in the state of Ohio. It is also the 5,324^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 10 employees at 1 location. Mt Washington Savings and Loan has a 4-star health rating.

Data for Q1 2012

Institution Statistics Mt Washington Savings Bank OTS # 00644 FDIC Certificate # 27968 BankRate Report View Year Established 1886 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $85.84 million Loans $58.71 million Deposits $62.70 million Equity Capital $13.92 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $4.51 million Real Estate Owned $439,000 Historic Data - March 2011 Assets $72.74 million Equity Capital $14.74 million Loan Loss Allowance $576,000 Unbacked Noncurrent Loans $4.98 million Real Estate Owned $426,000 Profit Margin - Quarterly Net Interest Margin 2.79% Return on Assets -3.23% Return on Equity -19.22% Interest Income $837,000

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 Mt Washington Savings and Loan had $4.95 million in non-current loans and owned real-estate with $15.36 million in equity and loan loss allowances on hand to cover it. This gives Mt Washington Savings and Loan a Texas Ratio of 32.24% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mt Washington Savings and Loan held steady from 35.26% as of March 31, 2011 to 32.24% as of March 31, 2012, resulting in a positive change of 8.56%.This indicates that the balance sheet and financial strength for Mt Washington Savings and Loan has held steady in recent periods. Deposit Growth In the past year, Mt Washington Savings and Loan has increased its total deposits by $9.05 million, resulting in 16.86% 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 Mt Washington Savings and Loan 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. Mt Washington Savings and Loan has $85.84 million in assets with $15.36 million in equity, resulting in a capitalization level of 17.89%, which is excellent.

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