The Guernsey Bank

The Guernsey Bank is headquartered in Worthington and is the 129^th largest bank in the state of Ohio. It is also the 4,285^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 34 employees at 3 locations. The Guernsey Bank's savings rates are 25% higher than the national average, but it has a 2-star health rating.

The Guernsey Bank Checking Account Rates

The Guernsey Bank Savings Account Rates

The Guernsey Bank Money Market Rates

The Guernsey Bank CD Rates

Data for Q1 2012

Institution Statistics The Guernsey Bank FDIC Certificate # 57413 BankRate Report View Year Established 2002 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $128.55 million Loans $93.60 million Deposits $107.38 million Equity Capital $10.51 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $1.25 million Real Estate Owned $4.30 million Historic Data - March 2011 Assets $129.48 million Equity Capital $11.00 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $2.06 million Real Estate Owned $2.35 million Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 2.15% Return on Equity 26.17% Interest Income $1.57 million

Institution Health Overall Score: 2 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 Guernsey Bank had $5.54 million in non-current loans and owned real-estate with $11.78 million in equity and loan loss allowances on hand to cover it. This gives The Guernsey Bank a Texas Ratio of 47.07% 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 Guernsey Bank increased slightly from 36.72% as of March 31, 2011 to 47.07% as of March 31, 2012, resulting in a negative change of 28.19%. This indicates that the balance sheet and financial strength for The Guernsey Bank has declined slightly in recent periods. Deposit Growth In the past year, The Guernsey Bank has decreased its total deposits by $-766,000, resulting in -0.71% 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 Guernsey Bank 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 Guernsey Bank has $128.54 million in assets with $11.78 million in equity, resulting in a capitalization level of 9.16%, which is average.

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