The Vinton County National Bank of McArthur

The Vinton County National Bank of McArthur is headquartered in Mcarthur and is the 27^th largest bank in the state of Ohio. It is also the 886^th largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 214 employees at 14 locations. The Vinton County National Bank of McArthur has a 4-star health rating.

The Vinton County National Bank of McArthur Savings Account Rates

The Vinton County National Bank of McArthur Money Market Rates

The Vinton County National Bank of McArthur CD Rates

Data for Q1 2012

Institution Statistics The Vinton County National Bank of McArthur FDIC Certificate # 6636 BankRate Report View Year Established 1867 Employees 214 Primary Regulator OCC Assets and Liabilities Assets $752.83 million Loans $449.00 million Deposits $667.09 million Equity Capital $82.51 million Loan Loss Allowance $5.92 million Unbacked Noncurrent Loans $12.56 million Real Estate Owned $887,000 Historic Data - March 2011 Assets $720.79 million Equity Capital $77.04 million Loan Loss Allowance $5.96 million Unbacked Noncurrent Loans $11.25 million Real Estate Owned $2.70 million Profit Margin - Quarterly Net Interest Margin 3.78% Return on Assets 0.83% Return on Equity 7.51% Interest Income $7.93 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 Vinton County National Bank of McArthur had $13.45 million in non-current loans and owned real-estate with $88.43 million in equity and loan loss allowances on hand to cover it. This gives The Vinton County National Bank of McArthur a Texas Ratio of 15.21% 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 Vinton County National Bank of McArthur held steady from 16.81% as of March 31, 2011 to 15.21% as of March 31, 2012, resulting in a positive change of 9.53%.This indicates that the balance sheet and financial strength for The Vinton County National Bank of McArthur has held steady in recent periods. Deposit Growth In the past year, The Vinton County National Bank of McArthur has increased its total deposits by $26.37 million, resulting in 4.12% 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 Vinton County National Bank of McArthur 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 Vinton County National Bank of McArthur has $752.83 million in assets with $88.43 million in equity, resulting in a capitalization level of 11.75%, which is above average.

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