The Henry County Bank

The Henry County Bank is headquartered in Napoleon and is the 73^rd largest bank in the state of Ohio. It is also the 2,550^th largest bank in the nation. It was established in 1936 and as of March of 2012, it had grown to 62 employees at 6 locations. The Henry County Bank's savings rates are 5X the national average, and it boasts a 5-star health rating.

The Henry County Bank Checking Account Rates

The Henry County Bank Savings Account Rates

The Henry County Bank Money Market Rates

The Henry County Bank CD Rates

The Henry County Bank IRA Rates

Data for Q1 2012

Institution Statistics The Henry County Bank FDIC Certificate # 15384 BankRate Report View Year Established 1936 Employees 62 Primary Regulator FDIC Assets and Liabilities Assets $252.82 million Loans $127.45 million Deposits $199.07 million Equity Capital $26.51 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $2.26 million Real Estate Owned $292,000 Historic Data - March 2011 Assets $235.31 million Equity Capital $24.24 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $3.04 million Real Estate Owned $52,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 1.25% Return on Equity 11.72% Interest Income $2.59 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 The Henry County Bank had $2.55 million in non-current loans and owned real-estate with $28.01 million in equity and loan loss allowances on hand to cover it. This gives The Henry County Bank a Texas Ratio of 9.12% 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 Henry County Bank decreased slightly from 11.81% as of March 31, 2011 to 9.12% as of March 31, 2012, resulting in a positive change of 22.83%.This indicates that the balance sheet and financial strength for The Henry County Bank has improved slightly in recent periods. Deposit Growth In the past year, The Henry County Bank has increased its total deposits by $16.14 million, resulting in 8.82% 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 Henry County 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. The Henry County Bank has $252.82 million in assets with $28.01 million in equity, resulting in a capitalization level of 11.08%, which is above average.