Hancock Bank & Trust Company

Main Street
Hawesville, KY 42348
(800) 447-4282
www.hancockbankonline.com

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Hancock Bank & Trust Company is headquartered in Hawesville and is the 40^th largest bank in the state of Kentucky. It is also the 1,850^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 90 employees at 6 locations. Hancock Bank & Trust Company has a 5-star health rating.

High-Yield Reward Checking Account at Hancock Bank & Trust in Kentucky - 2/4/2011

I was reviewing the highest interest rates in our reward checking table, and I came across an account that's new to me. It looks like we've been listing the account since November 2010. The reward che ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Hancock Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
1.80%	-	$40k	Green Rewards Checking - Qualifying
0.40%	$2,500	-	Captain's Circle Int. Bearing + Benefits
0.05%	$1k	-	Friends & Neighbors Checking
0.05%	$1k	-	Business Basics Checking
0.05%	$2k	-	Commercial Business Checking
0.05%	$1k	-	NOW Checking
0.05%	-	-	Super NOW Checking
0.05%	-	-	Green Rewards Checking - Non Qualifying

Hancock Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.35%	-	$50k	Green Rewards Savings - Qualifying
0.20%	$50	-	Statement Savings
0.15%	-	-	Green Rewards Savings - Non Qualifying

Hancock Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.25%	$25k	-	Money Market Investment Savings
0.05%	-	-	Money Market Account

Hancock Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.46%	$500	-	60 Month CD
1.31%	$2,500	-	60 Month CD Consumer Deposits Only
1.31%	$500	-	48 Month CD
1.00%	$500	-	36 Month CD
0.90%	$500	-	30 Month CD
0.80%	$500	-	24 Month CD
0.80%	$2,500	-	30 Month CD Consumer Deposits Only
0.65%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.35%	$500	-	180 Day CD
0.20%	$500	-	90 Day CD

Hancock Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.46%	$500	-	60 Month IRA
1.46%	$500	-	60 Month Roth IRA
1.31%	$500	-	48 Month IRA
1.31%	$2,500	-	60 Month IRA Consumer Deposits Only
1.31%	$500	-	48 Month Roth IRA
1.31%	$2,500	-	60 Month Roth IRA Consumer Deposits Only
1.00%	$500	-	36 Month IRA
1.00%	$500	-	36 Month Roth IRA
0.90%	$500	-	30 Month IRA
0.90%	$500	-	30 Month Roth IRA
0.80%	$500	-	24 Month IRA
0.80%	$500	-	24 Month Roth IRA
0.80%	$2,500	-	30 Month IRA Consumer Deposits Only
0.80%	$2,500	-	30 Month Roth IRA Consumer Deposits Only
0.65%	$500	-	18 Month IRA
0.65%	$500	-	18 Month Roth IRA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	12 Month Roth IRA
0.35%	$500	-	180 Day IRA
0.35%	$500	-	180 Day Roth IRA
0.20%	$500	-	90 Day IRA
0.20%	$500	-	90 Day Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Hancock Bank & Trust Company
FDIC Certificate #	8128
BankRate Report	View
Year Established	1888
Employees	90
Primary Regulator	FDIC
Assets and Liabilities
Assets	$359.21 million
Loans	$269.54 million
Deposits	$313.61 million
Equity Capital	$31.81 million
Loan Loss Allowance	$3.90 million
Unbacked Noncurrent Loans	$1.13 million
Real Estate Owned	$586,000
Historic Data - March 2011
Assets	$348.60 million
Equity Capital	$26.97 million
Loan Loss Allowance	$4.06 million
Unbacked Noncurrent Loans	$3.10 million
Real Estate Owned	$437,000
Profit Margin - Quarterly
Net Interest Margin	3.4%
Return on Assets	0.56%
Return on Equity	6.21%
Interest Income	$4.32 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 Hancock Bank & Trust Company had $1.72 million in non-current loans and owned real-estate with $35.71 million in equity and loan loss allowances on hand to cover it. This gives Hancock Bank & Trust Company a Texas Ratio of 4.81% 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 Hancock Bank & Trust Company decreased significantly from 11.38% as of March 31, 2011 to 4.81% as of March 31, 2012, resulting in a positive change of 57.79%.This indicates that the balance sheet and financial strength for Hancock Bank & Trust Company has improved significantly in recent periods.
Deposit Growth
In the past year, Hancock Bank & Trust Company has increased its total deposits by $11.12 million, resulting in 3.68% 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 Hancock Bank & Trust Company 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. Hancock Bank & Trust Company has $359.21 million in assets with $35.71 million in equity, resulting in a capitalization level of 9.94%, which is average.