The Ottoville Bank Company

The Ottoville Bank Company is headquartered in Ottoville and is the 177^th largest bank in the state of Ohio. It is also the 5,535^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 12 employees at 1 location. The Ottoville Bank Company has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Ottoville Bank Company FDIC Certificate # 8403 BankRate Report View Year Established 1904 Employees 12 Primary Regulator FED Assets and Liabilities Assets $78.42 million Loans $29.58 million Deposits $57.43 million Equity Capital $15.07 million Loan Loss Allowance $417,000 Unbacked Noncurrent Loans $183,000 Real Estate Owned $24,000 Historic Data - March 2011 Assets $75.71 million Equity Capital $13.96 million Loan Loss Allowance $418,000 Unbacked Noncurrent Loans $423,000 Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.29% Return on Equity 6.78% Interest Income $744,000

Institution Health Overall Score: 5 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 Ottoville Bank Company had $207,000 in non-current loans and owned real-estate with $15.49 million in equity and loan loss allowances on hand to cover it. This gives The Ottoville Bank Company a Texas Ratio of 1.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Ottoville Bank Company decreased significantly from 2.94% as of March 31, 2011 to 1.34% as of March 31, 2012, resulting in a positive change of 54.59%.This indicates that the balance sheet and financial strength for The Ottoville Bank Company has improved significantly in recent periods. Deposit Growth In the past year, The Ottoville Bank Company has increased its total deposits by $3.1 million, resulting in 5.7% 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 Ottoville Bank Company 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 Ottoville Bank Company has $78.42 million in assets with $15.49 million in equity, resulting in a capitalization level of 19.75%, which is excellent.

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