Bank of Lexington, Inc.

Bank of Lexington, Inc. is headquartered in Lexington and is the 80^th largest bank in the state of Kentucky. It is also the 3,551^st largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 35 employees at 2 locations. Bank of Lexington, Inc. has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Bank of Lexington, Inc. FDIC Certificate # 58164 BankRate Report View Year Established 2006 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $166.76 million Loans $131.93 million Deposits $135.55 million Equity Capital $17.32 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $496,000 Real Estate Owned $425,000 Historic Data - December 2010 Assets $139.82 million Equity Capital $15.13 million Loan Loss Allowance $1.41 million Real Estate Owned $600,000 Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets 0.69% Return on Equity 6.45% Interest Income $7.96 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 Lexington, Inc. had $921,000 in non-current loans and owned real-estate with $19.12 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lexington, Inc. a Texas Ratio of 4.82% 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 Lexington, Inc. held steady from 3.63% as of December 31, 2010 to 4.82% as of December 31, 2011, resulting in a negative change of 32.86%. This indicates that the balance sheet and financial strength for Bank of Lexington, Inc. has held steady in recent periods. Deposit Growth In the past year, Bank of Lexington, Inc. has increased its total deposits by $22.11 million, resulting in 19.49% 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 Lexington, Inc. 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. Bank of Lexington, Inc. has $166.76 million in assets with $19.12 million in equity, resulting in a capitalization level of 11.46%, which is above average.