Ohio Commerce Bank

Ohio Commerce Bank is headquartered in Beachwood and is the 157^th largest bank in the state of Ohio. It is also the 4,974^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 23 employees at 1 location. Ohio Commerce Bank has a 5-star health rating.

Ohio Commerce Bank Routing Number: 041215773

Data for Q1 2012

Institution Statistics Ohio Commerce Bank FDIC Certificate # 58198 BankRate Report View Year Established 2006 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $98.88 million Loans $74.72 million Deposits $87.75 million Equity Capital $10.98 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.23 million Real Estate Owned $125,000 Historic Data - March 2011 Assets $81.58 million Equity Capital $10.40 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.17 million Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.73% Return on Equity 6.98% Interest Income $1.05 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 Ohio Commerce Bank had $1.35 million in non-current loans and owned real-estate with $12.15 million in equity and loan loss allowances on hand to cover it. This gives Ohio Commerce Bank a Texas Ratio of 11.11% 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 Ohio Commerce Bank held steady from 9.25% as of March 31, 2011 to 11.11% as of March 31, 2012, resulting in a negative change of 20.03%. This indicates that the balance sheet and financial strength for Ohio Commerce Bank has held steady in recent periods. Deposit Growth In the past year, Ohio Commerce Bank has increased its total deposits by $16.75 million, resulting in 23.6% 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 Ohio Commerce 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. Ohio Commerce Bank has $98.88 million in assets with $12.15 million in equity, resulting in a capitalization level of 12.29%, which is excellent.

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