Kentland Bank

Kentland Bank is headquartered in Kentland and is the 52^nd largest bank in the state of Indiana. It is also the 2,343^rd largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 63 employees at 5 locations. Kentland Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Kentland Bank FDIC Certificate # 13843 BankRate Report View Year Established 1932 Employees 63 Primary Regulator FDIC Assets and Liabilities Assets $275.75 million Loans $151.85 million Deposits $222.90 million Equity Capital $32.97 million Loan Loss Allowance $4.35 million Unbacked Noncurrent Loans $7.16 million Real Estate Owned $2.85 million Historic Data - March 2011 Assets $251.37 million Equity Capital $31.81 million Loan Loss Allowance $2.57 million Unbacked Noncurrent Loans $5.30 million Real Estate Owned $4.09 million Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 0.69% Return on Equity 5.83% Interest Income $2.97 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 Kentland Bank had $10.01 million in non-current loans and owned real-estate with $37.32 million in equity and loan loss allowances on hand to cover it. This gives Kentland Bank a Texas Ratio of 26.81% 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 Kentland Bank held steady from 27.30% as of March 31, 2011 to 26.81% as of March 31, 2012, resulting in a positive change of 1.81%.This indicates that the balance sheet and financial strength for Kentland Bank has held steady in recent periods. Deposit Growth In the past year, Kentland Bank has increased its total deposits by $26.18 million, resulting in 13.31% 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 Kentland 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. Kentland Bank has $275.75 million in assets with $37.32 million in equity, resulting in a capitalization level of 13.53%, which is excellent.

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