Elkton Bank & Trust Company

Elkton Bank & Trust Company is headquartered in Elkton and is the 109^th largest bank in the state of Kentucky. It is also the 4,190^th largest bank in the nation. It was established in 1866 and as of March of 2012, it had grown to 30 employees at 4 locations. Elkton Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Elkton Bank & Trust Company FDIC Certificate # 12162 BankRate Report View Year Established 1866 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $132.56 million Loans $52.50 million Deposits $98.98 million Equity Capital $17.21 million Loan Loss Allowance $635,000 Unbacked Noncurrent Loans $560,000 Real Estate Owned $63,000 Historic Data - March 2011 Assets $122.10 million Equity Capital $16.26 million Loan Loss Allowance $601,000 Unbacked Noncurrent Loans $135,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 1.24% Return on Equity 9.34% Interest Income $1.35 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 March 31, 2012 Elkton Bank & Trust Company had $623,000 in non-current loans and owned real-estate with $17.84 million in equity and loan loss allowances on hand to cover it. This gives Elkton Bank & Trust Company a Texas Ratio of 3.49% 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 Elkton Bank & Trust Company held steady from 0.80% as of March 31, 2011 to 3.49% as of March 31, 2012, resulting in a negative change of 336.26%. This indicates that the balance sheet and financial strength for Elkton Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Elkton Bank & Trust Company has increased its total deposits by $9.29 million, resulting in 10.36% 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 Elkton Bank & Trust Company 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. Elkton Bank & Trust Company has $132.56 million in assets with $17.84 million in equity, resulting in a capitalization level of 13.46%, which is excellent.

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