Farmers Deposit Bank of Middleburg, Inc.

Farmers Deposit Bank of Middleburg, Inc. is headquartered in Middleburg and is the 175^th largest bank in the state of Kentucky. It is also the 6,439^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 17 employees at 2 locations. Farmers Deposit Bank of Middleburg, Inc. has a 3-star health rating.

Data for Q1 2012

Institution Statistics Farmers Deposit Bank of Middleburg, Inc. FDIC Certificate # 10514 BankRate Report View Year Established 1904 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $47.84 million Loans $33.20 million Deposits $38.63 million Equity Capital $5.54 million Loan Loss Allowance $360,000 Unbacked Noncurrent Loans $853,000 Real Estate Owned $321,000 Historic Data - March 2011 Assets $48.13 million Equity Capital $6.08 million Loan Loss Allowance $344,000 Unbacked Noncurrent Loans $303,000 Real Estate Owned $400,000 Profit Margin - Quarterly Net Interest Margin 4.53% Return on Assets 0.41% Return on Equity 3.55% Interest Income $592,000

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 Farmers Deposit Bank of Middleburg, Inc. had $1.17 million in non-current loans and owned real-estate with $5.9 million in equity and loan loss allowances on hand to cover it. This gives Farmers Deposit Bank of Middleburg, Inc. a Texas Ratio of 19.92% 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 Farmers Deposit Bank of Middleburg, Inc. increased slightly from 10.94% as of March 31, 2011 to 19.92% as of March 31, 2012, resulting in a negative change of 82.10%. This indicates that the balance sheet and financial strength for Farmers Deposit Bank of Middleburg, Inc. has declined slightly in recent periods. Deposit Growth In the past year, Farmers Deposit Bank of Middleburg, Inc. has increased its total deposits by $272,000, resulting in 0.71% 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 Farmers Deposit Bank of Middleburg, Inc. 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. Farmers Deposit Bank of Middleburg, Inc. has $47.84 million in assets with $5.9 million in equity, resulting in a capitalization level of 12.32%, which is excellent.

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