The National Bank of Oak Harbor

The National Bank of Oak Harbor is headquartered in Oak Harbor and is the 86^th largest bank in the state of Ohio. It is also the 2,982^nd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 58 employees at 5 locations. The National Bank of Oak Harbor has a 4-star health rating.

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Data for Q1 2012

Institution Statistics National Bank of Ohio FDIC Certificate # 14528 BankRate Report View Year Established 1934 Employees 58 Primary Regulator OCC Assets and Liabilities Assets $212.11 million Loans $159.61 million Deposits $175.99 million Equity Capital $20.46 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $3.23 million Real Estate Owned $282,000 Historic Data - March 2011 Assets $201.51 million Equity Capital $17.20 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $2.72 million Real Estate Owned $385,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 0.67% Return on Equity 7.01% Interest Income $2.54 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 National Bank of Oak Harbor had $3.51 million in non-current loans and owned real-estate with $22.4 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Oak Harbor a Texas Ratio of 15.67% 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 Oak Harbor held steady from 16.43% as of March 31, 2011 to 15.67% as of March 31, 2012, resulting in a positive change of 4.60%.This indicates that the balance sheet and financial strength for The National Bank of Oak Harbor has held steady in recent periods. Deposit Growth In the past year, The National Bank of Oak Harbor has increased its total deposits by $8.65 million, resulting in 5.17% 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 Oak Harbor has shown is excellent. 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 Oak Harbor has $212.11 million in assets with $22.4 million in equity, resulting in a capitalization level of 10.56%, which is above average.

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