The Hocking Valley Bank

The Hocking Valley Bank is headquartered in Athens and is the 81^st largest bank in the state of Ohio. It is also the 2,711^st largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 56 employees at 7 locations. The Hocking Valley Bank's savings rates are 62% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Hocking Valley Bank FDIC Certificate # 18858 BankRate Report View Year Established 1919 Employees 56 Primary Regulator FED Assets and Liabilities Assets $237.08 million Loans $139.99 million Deposits $210.31 million Equity Capital $23.28 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $435,000 Real Estate Owned $421,000 Historic Data - March 2011 Assets $236.03 million Equity Capital $22.08 million Loan Loss Allowance $2.71 million Unbacked Noncurrent Loans $239,000 Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets 0.69% Return on Equity 7.03% Interest Income $2.38 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 Hocking Valley Bank had $856,000 in non-current loans and owned real-estate with $25.83 million in equity and loan loss allowances on hand to cover it. This gives The Hocking Valley Bank a Texas Ratio of 3.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Hocking Valley Bank decreased slightly from 5.29% as of March 31, 2011 to 3.31% as of March 31, 2012, resulting in a positive change of 37.34%.This indicates that the balance sheet and financial strength for The Hocking Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, The Hocking Valley Bank has increased its total deposits by $149,000, resulting in 0.07% 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 Hocking Valley 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 Hocking Valley Bank has $237.08 million in assets with $25.83 million in equity, resulting in a capitalization level of 10.90%, which is above average.

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