Bedford Loan & Deposit Bank

Bedford Loan & Deposit Bank is headquartered in Bedford and is the 149^th largest bank in the state of Kentucky. It is also the 5,379^th largest bank in the nation. It was established in 1891 and as of December of 2011, it had grown to 30 employees at 3 locations. Bedford Loan & Deposit Bank has a 4-star health rating.

Bedford Loan & Deposit Bank Routing Number: 083904314

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Data for Q4 2011

Institution Statistics Bedford Loan & Deposit Bank FDIC Certificate # 11355 BankRate Report View Year Established 1891 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $83.66 million Loans $51.57 million Deposits $69.50 million Equity Capital $11.01 million Loan Loss Allowance $800,000 Unbacked Noncurrent Loans $1.59 million Real Estate Owned $540,000 Historic Data - December 2010 Assets $83.55 million Equity Capital $10.27 million Loan Loss Allowance $897,000 Unbacked Noncurrent Loans $1.65 million Real Estate Owned $207,000 Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 0.82% Return on Equity 6.32% Interest Income $4.16 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 December 31, 2011 Bedford Loan & Deposit Bank had $2.13 million in non-current loans and owned real-estate with $11.81 million in equity and loan loss allowances on hand to cover it. This gives Bedford Loan & Deposit Bank a Texas Ratio of 18.01% 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 Bedford Loan & Deposit Bank held steady from 14.33% as of December 31, 2010 to 18.01% as of December 31, 2011, resulting in a negative change of 25.71%. This indicates that the balance sheet and financial strength for Bedford Loan & Deposit Bank has held steady in recent periods. Deposit Growth In the past year, Bedford Loan & Deposit Bank has increased its total deposits by $298,000, resulting in 0.43% 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 Bedford Loan & Deposit Bank has shown is 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. Bedford Loan & Deposit Bank has $83.66 million in assets with $11.81 million in equity, resulting in a capitalization level of 14.11%, which is excellent.

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