Institution Statistics
| Kentucky Home Bank | | FDIC Certificate # | 34432 | | BankRate Report | View | | Year Established | 1997 | | Employees | 28 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $102.71 million | | Loans | $77.17 million | | Deposits | $79.30 million | | Equity Capital | $13.84 million | | Loan Loss Allowance | $977,000 | | Unbacked Noncurrent Loans | $1.68 million | | Real Estate Owned | $349,000 |
Historic Data - March 2011 | | Assets | $99.05 million | | Equity Capital | $12.51 million | | Loan Loss Allowance | $967,000 | | Unbacked Noncurrent Loans | $1.35 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.27% | | Return on Assets | 1.21% | | Return on Equity | 9.06% | | Interest Income | $1.24 million |
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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 Home Bank had $2.03 million in non-current loans and owned real-estate with $14.82 million in equity and loan loss allowances on hand to cover it. This gives Kentucky Home Bank a Texas Ratio of 13.70% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Kentucky Home Bank held steady from 9.45% as of March 31, 2011 to 13.70% as of March 31, 2012, resulting in a negative change of 45.08%. This indicates that the balance sheet and financial strength for Kentucky Home Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Kentucky Home Bank has increased its total deposits by $1.42 million, resulting in 1.82% 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 Home 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 Home Bank has $102.71 million in assets with $14.82 million in equity, resulting in a capitalization level of 14.43%, which is excellent. |
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