Bank of Edmonson County

Bank of Edmonson County is headquartered in Brownsville and is the 67^th largest bank in the state of Kentucky. It is also the 3,100^th largest bank in the nation. It was established in 1925 and as of December of 2011, it had grown to 51 employees at 2 locations. Bank of Edmonson County has a 5-star health rating.

Data for Q4 2011

Institution Statistics Bank of Edmonson County FDIC Certificate # 296 BankRate Report View Year Established 1925 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $199.09 million Loans $130.52 million Deposits $169.58 million Equity Capital $22.58 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $556,000 Real Estate Owned $808,000 Historic Data - December 2010 Assets $195.96 million Equity Capital $20.91 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $2.83 million Real Estate Owned $169,000 Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.02% Return on Equity 9.21% Interest Income $9.61 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 December 31, 2011 Bank of Edmonson County had $1.36 million in non-current loans and owned real-estate with $24 million in equity and loan loss allowances on hand to cover it. This gives Bank of Edmonson County a Texas Ratio of 5.68% 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 Bank of Edmonson County decreased significantly from 15.18% as of December 31, 2010 to 5.68% as of December 31, 2011, resulting in a positive change of 62.56%.This indicates that the balance sheet and financial strength for Bank of Edmonson County has improved significantly in recent periods. Deposit Growth In the past year, Bank of Edmonson County has increased its total deposits by $3.73 million, resulting in 2.25% 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 Bank of Edmonson County 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. Bank of Edmonson County has $199.09 million in assets with $24 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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