The Milton Banking Company

The Milton Banking Company is headquartered in Wellston and is the 128^th largest bank in the state of Ohio. It is also the 4,256^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 44 employees at 5 locations. The Milton Banking Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Milton Banking Company FDIC Certificate # 11085 BankRate Report View Year Established 1922 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $129.70 million Loans $96.66 million Deposits $117.96 million Equity Capital $11.40 million Loan Loss Allowance $762,000 Unbacked Noncurrent Loans $594,000 Real Estate Owned $1.48 million Historic Data - March 2011 Assets $125.58 million Equity Capital $10.60 million Loan Loss Allowance $714,000 Unbacked Noncurrent Loans $1.43 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 5.62% Return on Assets 1.1% Return on Equity 12.51% Interest Income $1.78 million

Institution Health Overall Score: 4 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 Milton Banking Company had $2.07 million in non-current loans and owned real-estate with $12.16 million in equity and loan loss allowances on hand to cover it. This gives The Milton Banking Company a Texas Ratio of 17.03% 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 Milton Banking Company decreased slightly from 21.62% as of March 31, 2011 to 17.03% as of March 31, 2012, resulting in a positive change of 21.25%.This indicates that the balance sheet and financial strength for The Milton Banking Company has improved slightly in recent periods. Deposit Growth In the past year, The Milton Banking Company has increased its total deposits by $3.23 million, resulting in 2.81% 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 Milton 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 Milton Banking Company has $129.7 million in assets with $12.16 million in equity, resulting in a capitalization level of 9.38%, which is average.

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