Ohio Heritage Bank

Ohio Heritage Bank is headquartered in Coshocton and is the 69^th largest bank in the state of Ohio. It is also the 2,385^th largest bank in the nation. It was established in 1995 and as of March of 2012, it had grown to 71 employees at 6 locations. Ohio Heritage Bank has a 5-star health rating.

Ohio Heritage Bank Routing Number: 041202922

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Data for Q1 2012

Institution Statistics Ohio Heritage Bank FDIC Certificate # 34071 BankRate Report View Year Established 1995 Employees 71 Primary Regulator FED Assets and Liabilities Assets $270.72 million Loans $174.40 million Deposits $186.92 million Equity Capital $23.31 million Loan Loss Allowance $2.84 million Unbacked Noncurrent Loans $549,000 Real Estate Owned $590,000 Historic Data - March 2011 Assets $277.14 million Equity Capital $21.78 million Loan Loss Allowance $2.64 million Unbacked Noncurrent Loans $2.82 million Real Estate Owned $1.36 million Profit Margin - Quarterly Net Interest Margin 3.06% Return on Assets 0.45% Return on Equity 5.21% Interest Income $2.76 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 Heritage Bank had $1.14 million in non-current loans and owned real-estate with $26.15 million in equity and loan loss allowances on hand to cover it. This gives Ohio Heritage Bank a Texas Ratio of 4.36% 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 Ohio Heritage Bank decreased significantly from 17.12% as of March 31, 2011 to 4.36% as of March 31, 2012, resulting in a positive change of 74.55%.This indicates that the balance sheet and financial strength for Ohio Heritage Bank has improved significantly in recent periods. Deposit Growth In the past year, Ohio Heritage Bank has increased its total deposits by $787,000, resulting in 0.42% 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 Heritage Bank has shown is average. 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 Heritage Bank has $270.72 million in assets with $26.15 million in equity, resulting in a capitalization level of 9.66%, which is average.

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