FORCHT BANK, NATIONAL ASSOCIATION

FORCHT BANK, NATIONAL ASSOCIATION is headquartered in Lexington and is the 12^st largest bank in the state of Kentucky. It is also the 644^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 344 employees at 34 locations. FORCHT BANK, NATIONAL ASSOCIATION has a 4-star health rating.

Data for Q1 2012

Institution Statistics FORCHT BANK, NATIONAL ASSOCIATION FDIC Certificate # 57415 BankRate Report View Year Established 2002 Employees 344 Primary Regulator OCC Assets and Liabilities Assets $1.03 billion Loans $575.03 million Deposits $833.79 million Equity Capital $123.13 million Loan Loss Allowance $8.88 million Unbacked Noncurrent Loans $15.57 million Real Estate Owned $4.42 million Historic Data - March 2011 Assets $1.02 billion Equity Capital $105.32 million Loan Loss Allowance $10.72 million Unbacked Noncurrent Loans $9.51 million Real Estate Owned $8.07 million Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 1.06% Return on Equity 8.69% Interest Income $10.59 million

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 FORCHT BANK, NATIONAL ASSOCIATION had $19.99 million in non-current loans and owned real-estate with $132.01 million in equity and loan loss allowances on hand to cover it. This gives FORCHT BANK, NATIONAL ASSOCIATION a Texas Ratio of 15.14% 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 FORCHT BANK, NATIONAL ASSOCIATION held steady from 15.35% as of March 31, 2011 to 15.14% as of March 31, 2012, resulting in a positive change of 1.34%.This indicates that the balance sheet and financial strength for FORCHT BANK, NATIONAL ASSOCIATION has held steady in recent periods. Deposit Growth In the past year, FORCHT BANK, NATIONAL ASSOCIATION has increased its total deposits by $21.3 million, resulting in 2.62% 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 FORCHT BANK, NATIONAL ASSOCIATION 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. FORCHT BANK, NATIONAL ASSOCIATION has $1.03 billion in assets with $132.01 million in equity, resulting in a capitalization level of 12.77%, which is excellent.

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