Fredonia Valley Bank

Fredonia Valley Bank is headquartered in Fredonia and is the 157^th largest bank in the state of Kentucky. It is also the 5,721^st largest bank in the nation. It was established in 1894 and as of March of 2012, it had grown to 17 employees at 2 locations. Fredonia Valley Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Fredonia Valley Bank FDIC Certificate # 9669 BankRate Report View Year Established 1894 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $71.98 million Loans $47.20 million Deposits $54.41 million Equity Capital $8.73 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $1.78 million Real Estate Owned $289,000 Historic Data - March 2011 Assets $69.10 million Equity Capital $8.23 million Loan Loss Allowance $857,000 Unbacked Noncurrent Loans $1.28 million Real Estate Owned $149,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 1.28% Return on Equity 10.74% Interest Income $861,000

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 Fredonia Valley Bank had $2.06 million in non-current loans and owned real-estate with $9.76 million in equity and loan loss allowances on hand to cover it. This gives Fredonia Valley Bank a Texas Ratio of 21.14% 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 Fredonia Valley Bank increased slightly from 15.77% as of March 31, 2011 to 21.14% as of March 31, 2012, resulting in a negative change of 34.03%. This indicates that the balance sheet and financial strength for Fredonia Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, Fredonia Valley Bank has increased its total deposits by $4.04 million, resulting in 8.02% 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 Fredonia Valley Bank 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. Fredonia Valley Bank has $71.98 million in assets with $9.76 million in equity, resulting in a capitalization level of 13.56%, which is excellent.

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