Kentucky Bank

Kentucky Bank is headquartered in Paris and is the 16^st largest bank in the state of Kentucky. It is also the 975^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 199 employees at 14 locations. Kentucky Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Kentucky Bank FDIC Certificate # 734 BankRate Report View Year Established 1915 Employees 199 Primary Regulator FDIC Assets and Liabilities Assets $677.17 million Loans $407.06 million Deposits $563.21 million Equity Capital $77.20 million Loan Loss Allowance $5.99 million Unbacked Noncurrent Loans $5.35 million Real Estate Owned $9.40 million Historic Data - March 2011 Assets $656.61 million Equity Capital $71.53 million Loan Loss Allowance $5.64 million Unbacked Noncurrent Loans $11.26 million Real Estate Owned $9.46 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 1% Return on Equity 8.65% Interest Income $7.16 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 Kentucky Bank had $14.74 million in non-current loans and owned real-estate with $83.2 million in equity and loan loss allowances on hand to cover it. This gives Kentucky Bank a Texas Ratio of 17.72% 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 Kentucky Bank decreased slightly from 26.85% as of March 31, 2011 to 17.72% as of March 31, 2012, resulting in a positive change of 33.99%.This indicates that the balance sheet and financial strength for Kentucky Bank has improved slightly in recent periods. Deposit Growth In the past year, Kentucky Bank has increased its total deposits by $24.07 million, resulting in 4.46% 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 Kentucky Bank 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. Kentucky Bank has $677.17 million in assets with $83.2 million in equity, resulting in a capitalization level of 12.29%, which is excellent.

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