The Republic Banking Company

The Republic Banking Company is headquartered in Republic and is the 219^st largest bank in the state of Ohio. It is also the 6,668^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 7 employees at 1 location. The Republic Banking Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Republic Banking Company FDIC Certificate # 9865 BankRate Report View Year Established 1906 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $40.40 million Loans $29.15 million Deposits $34.11 million Equity Capital $5.43 million Loan Loss Allowance $245,000 Unbacked Noncurrent Loans $1.33 million Real Estate Owned $39,000 Historic Data - March 2011 Assets $37.15 million Equity Capital $5.23 million Loan Loss Allowance $287,000 Unbacked Noncurrent Loans $1.22 million Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.95% Return on Equity 6.98% Interest Income $435,000

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 Republic Banking Company had $1.37 million in non-current loans and owned real-estate with $5.68 million in equity and loan loss allowances on hand to cover it. This gives The Republic Banking Company a Texas Ratio of 24.05% 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 Republic Banking Company held steady from 22.04% as of March 31, 2011 to 24.05% as of March 31, 2012, resulting in a negative change of 9.11%. This indicates that the balance sheet and financial strength for The Republic Banking Company has held steady in recent periods. Deposit Growth In the past year, The Republic Banking Company has increased its total deposits by $3.72 million, resulting in 12.22% 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 Republic Banking 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 Republic Banking Company has $40.4 million in assets with $5.68 million in equity, resulting in a capitalization level of 14.06%, which is excellent.

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