Commonwealth Bank, FSB

Commonwealth Bank, FSB is headquartered in Mount Sterling and is the 194^th largest bank in the state of Kentucky. It is also the 7,150^th largest bank in the nation. It was established in 1961 and as of March of 2012, it had grown to 8 employees at 1 location. Commonwealth Bank, FSB has a 4-star health rating.

Data for Q1 2012

Institution Statistics Commonwealth Bank, FSB OTS # 06591 FDIC Certificate # 31239 BankRate Report View Year Established 1961 Employees 8 Primary Regulator OCC Assets and Liabilities Assets $20.96 million Loans $16.39 million Deposits $15.95 million Equity Capital $2.27 million Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $15,000 Real Estate Owned $367,000 Historic Data - March 2011 Assets $19.73 million Equity Capital $2.25 million Loan Loss Allowance $65,000 Unbacked Noncurrent Loans $211,000 Real Estate Owned $353,000 Profit Margin - Quarterly Net Interest Margin 4.61% Return on Assets -0.58% Return on Equity -5.24% Interest Income $244,000

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 March 31, 2012 Commonwealth Bank, FSB had $382,000 in non-current loans and owned real-estate with $2.32 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Bank, FSB a Texas Ratio of 16.48% 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 Commonwealth Bank, FSB decreased slightly from 24.34% as of March 31, 2011 to 16.48% as of March 31, 2012, resulting in a positive change of 32.30%.This indicates that the balance sheet and financial strength for Commonwealth Bank, FSB has improved slightly in recent periods. Deposit Growth In the past year, Commonwealth Bank, FSB has increased its total deposits by $691,000, resulting in 4.53% 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 Commonwealth Bank, FSB 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. Commonwealth Bank, FSB has $20.96 million in assets with $2.32 million in equity, resulting in a capitalization level of 11.06%, which is above average.

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