First Community Bank of Western Kentucky, Inc.

First Community Bank of Western Kentucky, Inc. is headquartered in Clinton and is the 151^st largest bank in the state of Kentucky. It is also the 5,528^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 23 employees at 2 locations. First Community Bank of Western Kentucky, Inc. has a 5-star health rating.

First Community Bank of Western Kentucky, Inc. Savings Account Rates

First Community Bank of Western Kentucky, Inc. CD Rates

Data for Q1 2012

Institution Statistics First Community Bank of Western Kentucky, Inc. FDIC Certificate # 14735 BankRate Report View Year Established 1934 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $78.73 million Loans $55.92 million Deposits $65.72 million Equity Capital $10.42 million Loan Loss Allowance $599,000 Unbacked Noncurrent Loans $401,000 Real Estate Owned $369,000 Historic Data - March 2011 Assets $73.69 million Equity Capital $9.92 million Loan Loss Allowance $612,000 Unbacked Noncurrent Loans $464,000 Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets 1.62% Return on Equity 12.34% Interest Income $961,000

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 First Community Bank of Western Kentucky, Inc. had $770,000 in non-current loans and owned real-estate with $11.02 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Western Kentucky, Inc. a Texas Ratio of 6.99% 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 First Community Bank of Western Kentucky, Inc. held steady from 4.49% as of March 31, 2011 to 6.99% as of March 31, 2012, resulting in a negative change of 55.57%. This indicates that the balance sheet and financial strength for First Community Bank of Western Kentucky, Inc. has held steady in recent periods. Deposit Growth In the past year, First Community Bank of Western Kentucky, Inc. has increased its total deposits by $4.02 million, resulting in 6.52% 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 First Community Bank of Western Kentucky, Inc. 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. First Community Bank of Western Kentucky, Inc. has $78.73 million in assets with $11.02 million in equity, resulting in a capitalization level of 14.00%, which is excellent.

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