Southern Hills Community Bank

Southern Hills Community Bank is headquartered in Leesburg and is the 167^th largest bank in the state of Ohio. It is also the 5,292^nd largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 25 employees at 3 locations. Southern Hills Community Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Southern Hills Community Bank Routing Number: 242272285

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Data for Q1 2012

Institution Statistics Southern Hills Community Bank OTS # 04013 FDIC Certificate # 29749 BankRate Report View Year Established 1884 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $87.43 million Loans $71.70 million Deposits $69.32 million Equity Capital $12.25 million Loan Loss Allowance $890,000 Unbacked Noncurrent Loans $760,000 Real Estate Owned $552,000 Historic Data - March 2011 Assets $61.41 million Equity Capital $7.35 million Loan Loss Allowance $861,000 Unbacked Noncurrent Loans $910,000 Real Estate Owned $144,000 Profit Margin - Quarterly Net Interest Margin 5.37% Return on Assets 0.66% Return on Equity 4.73% Interest Income $1.22 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 Southern Hills Community Bank had $1.31 million in non-current loans and owned real-estate with $13.14 million in equity and loan loss allowances on hand to cover it. This gives Southern Hills Community Bank a Texas Ratio of 9.99% 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 Southern Hills Community Bank decreased slightly from 12.84% as of March 31, 2011 to 9.99% as of March 31, 2012, resulting in a positive change of 22.23%.This indicates that the balance sheet and financial strength for Southern Hills Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Southern Hills Community Bank has increased its total deposits by $19.48 million, resulting in 39.09% 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 Southern Hills Community 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. Southern Hills Community Bank has $87.43 million in assets with $13.14 million in equity, resulting in a capitalization level of 15.03%, which is excellent.

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