RIVERHILLS BANK

RIVERHILLS BANK is headquartered in New Richmond and is the 127^th largest bank in the state of Ohio. It is also the 4,251^st largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 39 employees at 5 locations. RIVERHILLS BANK has a 3-star health rating.

Data for Q1 2012

Institution Statistics RIVERHILLS BANK FDIC Certificate # 6662 BankRate Report View Year Established 1904 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $129.95 million Loans $97.14 million Deposits $113.72 million Equity Capital $11.41 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $1.95 million Historic Data - March 2011 Assets $124.62 million Equity Capital $10.45 million Loan Loss Allowance $964,000 Unbacked Noncurrent Loans $1.01 million Real Estate Owned $80,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 1.31% Return on Equity 15.16% Interest Income $1.39 million

Institution Health Overall Score: 3 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 RIVERHILLS BANK had $1.95 million in non-current loans and owned real-estate with $12.64 million in equity and loan loss allowances on hand to cover it. This gives RIVERHILLS BANK a Texas Ratio of 15.42% 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 RIVERHILLS BANK held steady from 12.85% as of March 31, 2011 to 15.42% as of March 31, 2012, resulting in a negative change of 19.97%. This indicates that the balance sheet and financial strength for RIVERHILLS BANK has held steady in recent periods. Deposit Growth In the past year, RIVERHILLS BANK has increased its total deposits by $4.92 million, resulting in 4.52% 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 RIVERHILLS BANK has shown is above 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. RIVERHILLS BANK has $129.95 million in assets with $12.64 million in equity, resulting in a capitalization level of 9.73%, which is average.

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