The National Bank of Adams County of West Union

The National Bank of Adams County of West Union is headquartered in West Union and is the 176^th largest bank in the state of Ohio. It is also the 5,476^th largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 18 employees at 1 location. The National Bank of Adams County of West Union has a 4-star health rating.

Data for Q1 2012

Institution Statistics The National Bank of Adams County of West Union FDIC Certificate # 6728 BankRate Report View Year Established 1928 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $79.98 million Loans $39.73 million Deposits $70.08 million Equity Capital $9.75 million Loan Loss Allowance $185,000 Unbacked Noncurrent Loans $2.37 million Real Estate Owned $473,000 Historic Data - March 2011 Assets $77.43 million Equity Capital $9.69 million Loan Loss Allowance $142,000 Unbacked Noncurrent Loans $1.48 million Real Estate Owned $582,000 Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 0.6% Return on Equity 4.95% Interest Income $658,000

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 National Bank of Adams County of West Union had $2.84 million in non-current loans and owned real-estate with $9.94 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Adams County of West Union a Texas Ratio of 28.57% 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 National Bank of Adams County of West Union increased slightly from 21.01% as of March 31, 2011 to 28.57% as of March 31, 2012, resulting in a negative change of 35.94%. This indicates that the balance sheet and financial strength for The National Bank of Adams County of West Union has declined slightly in recent periods. Deposit Growth In the past year, The National Bank of Adams County of West Union has increased its total deposits by $2.49 million, resulting in 3.68% 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 National Bank of Adams County of West Union 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 National Bank of Adams County of West Union has $79.98 million in assets with $9.94 million in equity, resulting in a capitalization level of 12.42%, which is excellent.

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