The Citizens Bank of Ashville

The Citizens Bank of Ashville is headquartered in Ashville and is the 158^th largest bank in the state of Ohio. It is also the 4,911^st largest bank in the nation. It was established in 1894 and as of December of 2012, it had grown to 30 employees at 4 locations. The Citizens Bank of Ashville has a 3-star health rating.

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Data for Q4 2012

Institution Statistics The Citizens Bank of Ashville, Ohio FDIC Certificate # 13223 BankRate Report View Year Established 1894 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $98.65 million Loans $55.52 million Deposits $81.56 million Equity Capital $8.25 million Loan Loss Allowance $942,000 Unbacked Noncurrent Loans $1.60 million Historic Data - December 2011 Assets $100.32 million Equity Capital $8.11 million Loan Loss Allowance $693,000 Unbacked Noncurrent Loans $433,000 Real Estate Owned $422,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets -0.16% Return on Equity -1.96% Interest Income $4.15 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 December 31, 2012 The Citizens Bank of Ashville had $1.6 million in non-current loans and owned real-estate with $9.19 million in equity and loan loss allowances on hand to cover it. This gives The Citizens Bank of Ashville a Texas Ratio of 17.38% 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 The Citizens Bank of Ashville increased slightly from 9.72% as of December 31, 2011 to 17.38% as of December 31, 2012, resulting in a negative change of 78.87%. This indicates that the balance sheet and financial strength for The Citizens Bank of Ashville has declined slightly in recent periods. Deposit Growth In the past year, The Citizens Bank of Ashville has increased its total deposits by $115,000, resulting in 0.14% 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 Citizens Bank of Ashville 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 Citizens Bank of Ashville has $98.64 million in assets with $9.19 million in equity, resulting in a capitalization level of 9.32%, which is average.

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