The Settlers Bank

The Settlers Bank is headquartered in Marietta and is the 141^st largest bank in the state of Ohio. It is also the 4,641^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 20 employees at 1 location. The Settlers Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Settlers Bank FDIC Certificate # 35060 BankRate Report View Year Established 1999 Employees 20 Primary Regulator FED Assets and Liabilities Assets $112.87 million Loans $85.51 million Deposits $97.44 million Equity Capital $11.23 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $146,000 Historic Data - March 2011 Assets $103.34 million Equity Capital $10.60 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $477,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.98% Return on Equity 9.89% Interest Income $1.18 million

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 Settlers Bank had $146,000 in non-current loans and owned real-estate with $12.45 million in equity and loan loss allowances on hand to cover it. This gives The Settlers Bank a Texas Ratio of 1.17% 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 Settlers Bank decreased significantly from 4.08% as of March 31, 2011 to 1.17% as of March 31, 2012, resulting in a positive change of 71.23%.This indicates that the balance sheet and financial strength for The Settlers Bank has improved significantly in recent periods. Deposit Growth In the past year, The Settlers Bank has increased its total deposits by $13.16 million, resulting in 15.62% 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 Settlers Bank 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 Settlers Bank has $112.87 million in assets with $12.45 million in equity, resulting in a capitalization level of 11.03%, which is above average.

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