American Founders Bank, Inc.

American Founders Bank, Inc. is headquartered in Lexington and is the 35^th largest bank in the state of Kentucky. It is also the 1,714^st largest bank in the nation. It was established in 2001 and as of December of 2011, it had grown to 102 employees at 7 locations. American Founders Bank, Inc. has a 1-star health rating.

Data for Q4 2011

Institution Statistics American Founders Bank, Inc. FDIC Certificate # 57113 BankRate Report View Year Established 2001 Employees 102 Primary Regulator FDIC Assets and Liabilities Assets $385.59 million Loans $260.85 million Deposits $314.10 million Equity Capital $17.86 million Loan Loss Allowance $4.09 million Unbacked Noncurrent Loans $3.77 million Real Estate Owned $14.90 million Historic Data - December 2010 Assets $416.69 million Equity Capital $17.99 million Loan Loss Allowance $8.24 million Unbacked Noncurrent Loans $9.30 million Real Estate Owned $12.31 million Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets -0.43% Return on Equity -9.15% Interest Income $17.57 million

Institution Health Overall Score: 1 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 December 31, 2011 American Founders Bank, Inc. had $18.67 million in non-current loans and owned real-estate with $21.94 million in equity and loan loss allowances on hand to cover it. This gives American Founders Bank, Inc. a Texas Ratio of 85.06% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for American Founders Bank, Inc. held steady from 82.39% as of December 31, 2010 to 85.06% as of December 31, 2011, resulting in a negative change of 3.24%. This indicates that the balance sheet and financial strength for American Founders Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, American Founders Bank, Inc. has decreased its total deposits by -$28.21 million, resulting in -8.24% 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 American Founders Bank, Inc. has shown is poor. 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. American Founders Bank, Inc. has $385.59 million in assets with $21.94 million in equity, resulting in a capitalization level of 5.69%, which is below average.

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