Carrollton Federal Bank

Carrollton Federal Bank is headquartered in Carrollton and is the 183^rd largest bank in the state of Kentucky. It is also the 6,825^th largest bank in the nation. It was established in 1890 and as of December of 2011, it had grown to 8 employees at 1 location. Carrollton Federal Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Carrollton Federal Bank OTS # 04069 FDIC Certificate # 29774 BankRate Report View Year Established 1890 Employees 8 Primary Regulator OCC Assets and Liabilities Assets $35.55 million Loans $25.12 million Deposits $27.20 million Equity Capital $4.31 million Loan Loss Allowance $332,000 Unbacked Noncurrent Loans $594,000 Historic Data - December 2010 Assets $36.29 million Equity Capital $4.13 million Loan Loss Allowance $265,000 Unbacked Noncurrent Loans $131,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.51% Return on Equity 4.33% Interest Income $1.80 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 Carrollton Federal Bank had $594,000 in non-current loans and owned real-estate with $4.64 million in equity and loan loss allowances on hand to cover it. This gives Carrollton Federal Bank a Texas Ratio of 12.79% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Carrollton Federal Bank increased slightly from 2.98% as of December 31, 2010 to 12.79% as of December 31, 2011, resulting in a negative change of 329.41%. This indicates that the balance sheet and financial strength for Carrollton Federal Bank has declined slightly in recent periods. Deposit Growth In the past year, Carrollton Federal Bank has decreased its total deposits by $-748,000, resulting in -2.68% 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 Carrollton Federal Bank has shown is below 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. Carrollton Federal Bank has $35.55 million in assets with $4.64 million in equity, resulting in a capitalization level of 13.06%, which is excellent.

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