The Rockhold, Brown & Company Bank

The Rockhold, Brown & Company Bank is headquartered in Bainbridge and is the 222^nd largest bank in the state of Ohio. It is also the 6,745^th largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 18 employees at 2 locations. The Rockhold, Brown & Company Bank has a 2-star health rating.

Data for Q1 2012

Institution Statistics The Rockhold, Brown & Company Bank FDIC Certificate # 16193 BankRate Report View Year Established 1867 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $37.93 million Loans $23.80 million Deposits $32.04 million Equity Capital $3.04 million Loan Loss Allowance $555,000 Unbacked Noncurrent Loans $1.53 million Real Estate Owned $865,000 Historic Data - March 2011 Assets $38.67 million Equity Capital $3.49 million Loan Loss Allowance $448,000 Unbacked Noncurrent Loans $1.64 million Real Estate Owned $515,000 Profit Margin - Quarterly Net Interest Margin 4.61% Return on Assets -0.19% Return on Equity -2.36% Interest Income $466,000

Institution Health Overall Score: 2 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 Rockhold, Brown & Company Bank had $2.39 million in non-current loans and owned real-estate with $3.59 million in equity and loan loss allowances on hand to cover it. This gives The Rockhold, Brown & Company Bank a Texas Ratio of 66.61% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Rockhold, Brown & Company Bank increased slightly from 54.77% as of March 31, 2011 to 66.61% as of March 31, 2012, resulting in a negative change of 21.62%. This indicates that the balance sheet and financial strength for The Rockhold, Brown & Company Bank has declined slightly in recent periods. Deposit Growth In the past year, The Rockhold, Brown & Company Bank has decreased its total deposits by $-179,000, resulting in -0.56% 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 Rockhold, Brown & Company Bank has shown is 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 Rockhold, Brown & Company Bank has $37.93 million in assets with $3.59 million in equity, resulting in a capitalization level of 9.48%, which is average.

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