NCB, FSB

NCB, FSB is headquartered in Hillsboro and is the 16^st largest bank in the state of Ohio. It is also the 406^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 258 employees at 4 locations. NCB, FSB has a 4-star health rating.

NCB, FSB Routing Number: 242272227

Data for Q1 2012

Institution Statistics NCB, FSB OTS # 08527 FDIC Certificate # 32612 BankRate Report View Year Established 1988 Employees 258 Primary Regulator OCC Assets and Liabilities Assets $1.66 billion Loans $1.15 billion Deposits $1.38 billion Equity Capital $176.01 million Loan Loss Allowance $20.37 million Unbacked Noncurrent Loans $40.85 million Real Estate Owned $8.60 million Historic Data - March 2011 Assets $1.38 billion Equity Capital $167.74 million Loan Loss Allowance $15.95 million Unbacked Noncurrent Loans $48.97 million Real Estate Owned $12.14 million Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 1.47% Return on Equity 13.82% Interest Income $15.38 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 NCB, FSB had $49.45 million in non-current loans and owned real-estate with $196.38 million in equity and loan loss allowances on hand to cover it. This gives NCB, FSB a Texas Ratio of 25.18% 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 NCB, FSB decreased slightly from 32.20% as of March 31, 2011 to 25.18% as of March 31, 2012, resulting in a positive change of 21.80%.This indicates that the balance sheet and financial strength for NCB, FSB has improved slightly in recent periods. Deposit Growth In the past year, NCB, FSB has increased its total deposits by $343.42 million, resulting in 33% 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 NCB, FSB 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. NCB, FSB has $1.66 billion in assets with $196.38 million in equity, resulting in a capitalization level of 11.81%, which is above average.

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