The Cincinnatus Savings & Loan Co.

The Cincinnatus Savings & Loan Co. is headquartered in Cincinnati and is the 163^rd largest bank in the state of Ohio. It is also the 5,229^th largest bank in the nation. It was established in 1885 and as of March of 2012, it had grown to 25 employees at 3 locations. The Cincinnatus Savings & Loan Co. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Cincinnatus Savings & Loan Co. OTS # 01016 FDIC Certificate # 28157 BankRate Report View Year Established 1885 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $89.60 million Loans $73.66 million Deposits $62.21 million Equity Capital $19.29 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $1.54 million Real Estate Owned $290,000 Historic Data - March 2011 Assets $90.18 million Equity Capital $19.39 million Loan Loss Allowance $893,000 Unbacked Noncurrent Loans $3.44 million Real Estate Owned $382,000 Profit Margin - Quarterly Net Interest Margin 4.74% Return on Assets 1.05% Return on Equity 4.88% Interest Income $1.18 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 The Cincinnatus Savings & Loan Co. had $1.83 million in non-current loans and owned real-estate with $21.71 million in equity and loan loss allowances on hand to cover it. This gives The Cincinnatus Savings & Loan Co. a Texas Ratio of 8.44% 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 The Cincinnatus Savings & Loan Co. decreased significantly from 18.83% as of March 31, 2011 to 8.44% as of March 31, 2012, resulting in a positive change of 55.17%.This indicates that the balance sheet and financial strength for The Cincinnatus Savings & Loan Co. has improved significantly in recent periods. Deposit Growth In the past year, The Cincinnatus Savings & Loan Co. has decreased its total deposits by $-475,000, resulting in -0.76% 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 The Cincinnatus Savings & Loan Co. 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. The Cincinnatus Savings & Loan Co. has $89.6 million in assets with $21.71 million in equity, resulting in a capitalization level of 24.23%, which is excellent.

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