The Metamora State Bank

The Metamora State Bank is headquartered in Metamora and is the 194^th largest bank in the state of Ohio. It is also the 6,038^th largest bank in the nation. It was established in 1944 and as of March of 2012, it had grown to 19 employees at 2 locations. The Metamora State Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Metamora State Bank FDIC Certificate # 16167 BankRate Report View Year Established 1944 Employees 19 Primary Regulator FED Assets and Liabilities Assets $61.33 million Loans $39.65 million Deposits $55.15 million Equity Capital $5.05 million Loan Loss Allowance $717,000 Unbacked Noncurrent Loans $1.05 million Real Estate Owned $606,000 Historic Data - March 2011 Assets $61.57 million Equity Capital $4.74 million Loan Loss Allowance $766,000 Unbacked Noncurrent Loans $926,000 Real Estate Owned $574,000 Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 0.81% Return on Equity 9.81% Interest Income $708,000

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 Metamora State Bank had $1.66 million in non-current loans and owned real-estate with $5.76 million in equity and loan loss allowances on hand to cover it. This gives The Metamora State Bank a Texas Ratio of 28.73% 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 Metamora State Bank held steady from 27.26% as of March 31, 2011 to 28.73% as of March 31, 2012, resulting in a negative change of 5.36%. This indicates that the balance sheet and financial strength for The Metamora State Bank has held steady in recent periods. Deposit Growth In the past year, The Metamora State Bank has decreased its total deposits by $-581,000, resulting in -1.04% 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 Metamora State Bank has shown is below 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 Metamora State Bank has $61.33 million in assets with $5.76 million in equity, resulting in a capitalization level of 9.40%, which is average.

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