The Middlefield Banking Company

The Middlefield Banking Company is headquartered in Middlefield and is the 38^th largest bank in the state of Ohio. It is also the 1,174^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 99 employees at 8 locations. The Middlefield Banking Company's savings rates are 73% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics The Middlefield Banking Company FDIC Certificate # 13716 BankRate Report View Year Established 1902 Employees 99 Primary Regulator FDIC Assets and Liabilities Assets $575.39 million Loans $346.85 million Deposits $519.33 million Equity Capital $45.19 million Loan Loss Allowance $5.07 million Unbacked Noncurrent Loans $12.52 million Real Estate Owned $1.43 million Historic Data - March 2011 Assets $559.00 million Equity Capital $37.55 million Loan Loss Allowance $4.27 million Unbacked Noncurrent Loans $10.69 million Real Estate Owned $687,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 1.13% Return on Equity 14.55% Interest Income $6.42 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 Middlefield Banking Company had $13.95 million in non-current loans and owned real-estate with $50.26 million in equity and loan loss allowances on hand to cover it. This gives The Middlefield Banking Company a Texas Ratio of 27.75% 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 Middlefield Banking Company held steady from 27.20% as of March 31, 2011 to 27.75% as of March 31, 2012, resulting in a negative change of 2.03%. This indicates that the balance sheet and financial strength for The Middlefield Banking Company has held steady in recent periods. Deposit Growth In the past year, The Middlefield Banking Company has increased its total deposits by $10.08 million, resulting in 1.98% 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 Middlefield Banking Company has shown is above 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 Middlefield Banking Company has $575.39 million in assets with $50.26 million in equity, resulting in a capitalization level of 8.74%, which is average.

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