Deposit Bank of Carlisle

Deposit Bank of Carlisle is headquartered in Carlisle and is the 165^th largest bank in the state of Kentucky. It is also the 5,991^st largest bank in the nation. It was established in 1866 and as of March of 2012, it had grown to 14 employees at 2 locations. Deposit Bank of Carlisle has a 3-star health rating.

Deposit Bank of Carlisle Routing Number: 042102652

Data for Q1 2012

Institution Statistics Deposit Bank of Carlisle FDIC Certificate # 266 BankRate Report View Year Established 1866 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $62.83 million Loans $30.91 million Deposits $49.46 million Equity Capital $11.86 million Loan Loss Allowance $535,000 Unbacked Noncurrent Loans $2.16 million Real Estate Owned $26,000 Historic Data - March 2011 Assets $65.76 million Equity Capital $11.60 million Loan Loss Allowance $469,000 Unbacked Noncurrent Loans $3.03 million Real Estate Owned $35,000 Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets -0.56% Return on Equity -2.97% Interest Income $656,000

Institution Health Overall Score: 3 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 Deposit Bank of Carlisle had $2.18 million in non-current loans and owned real-estate with $12.4 million in equity and loan loss allowances on hand to cover it. This gives Deposit Bank of Carlisle a Texas Ratio of 17.61% 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 Deposit Bank of Carlisle decreased slightly from 24.74% as of March 31, 2011 to 17.61% as of March 31, 2012, resulting in a positive change of 28.79%.This indicates that the balance sheet and financial strength for Deposit Bank of Carlisle has improved slightly in recent periods. Deposit Growth In the past year, Deposit Bank of Carlisle has decreased its total deposits by -$3.52 million, resulting in -6.64% 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 Deposit Bank of Carlisle has shown is poor. 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. Deposit Bank of Carlisle has $62.83 million in assets with $12.4 million in equity, resulting in a capitalization level of 19.74%, which is excellent.

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