The Fahey Banking Company

The Fahey Banking Company is headquartered in Marion and is the 94^th largest bank in the state of Ohio. It is also the 3,203^rd largest bank in the nation. It was established in 1865 and as of March of 2012, it had grown to 50 employees at 4 locations. The Fahey Banking Company has a 3-star health rating.

The Fahey Banking Company CD Rates

Data for Q1 2012

Institution Statistics The Fahey Banking Company FDIC Certificate # 2068 BankRate Report View Year Established 1865 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $194.14 million Loans $131.32 million Deposits $142.16 million Equity Capital $41.93 million Loan Loss Allowance $2.78 million Unbacked Noncurrent Loans $10.92 million Real Estate Owned $4.65 million Historic Data - March 2011 Assets $181.79 million Equity Capital $40.06 million Loan Loss Allowance $4.53 million Unbacked Noncurrent Loans $10.24 million Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 5.05% Return on Assets 1.15% Return on Equity 5.24% Interest Income $2.40 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 The Fahey Banking Company had $15.57 million in non-current loans and owned real-estate with $44.72 million in equity and loan loss allowances on hand to cover it. This gives The Fahey Banking Company a Texas Ratio of 34.82% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Fahey Banking Company increased slightly from 26.23% as of March 31, 2011 to 34.82% as of March 31, 2012, resulting in a negative change of 32.78%. This indicates that the balance sheet and financial strength for The Fahey Banking Company has declined slightly in recent periods. Deposit Growth In the past year, The Fahey Banking Company has increased its total deposits by $7.45 million, resulting in 5.53% 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 Fahey Banking Company 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. The Fahey Banking Company has $194.14 million in assets with $44.72 million in equity, resulting in a capitalization level of 23.03%, which is excellent.

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