The Osgood State Bank

The Osgood State Bank is headquartered in Osgood and is the 123^rd largest bank in the state of Ohio. It is also the 4,174^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 38 employees at 4 locations. The Osgood State Bank's savings rates are 2X the national average, and it has a 4-star health rating.

The Osgood State Bank Checking Account Rates

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Data for Q1 2012

Institution Statistics The Osgood State Bank FDIC Certificate # 9137 BankRate Report View Year Established 1915 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $133.62 million Loans $64.24 million Deposits $113.59 million Equity Capital $15.14 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $1.85 million Real Estate Owned $123,000 Historic Data - March 2011 Assets $129.01 million Equity Capital $12.99 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $938,000 Real Estate Owned $602,000 Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 1.11% Return on Equity 9.86% Interest Income $1.38 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 Osgood State Bank had $1.97 million in non-current loans and owned real-estate with $17.07 million in equity and loan loss allowances on hand to cover it. This gives The Osgood State Bank a Texas Ratio of 11.56% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Osgood State Bank held steady from 10.14% as of March 31, 2011 to 11.56% as of March 31, 2012, resulting in a negative change of 14.07%. This indicates that the balance sheet and financial strength for The Osgood State Bank has held steady in recent periods. Deposit Growth In the past year, The Osgood State Bank has increased its total deposits by $2.5 million, resulting in 2.26% 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 Osgood State Bank 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 Osgood State Bank has $133.62 million in assets with $17.07 million in equity, resulting in a capitalization level of 12.78%, which is excellent.

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