Kentucky Neighborhood Bank

Kentucky Neighborhood Bank is headquartered in Elizabethtown and is the 116^st largest bank in the state of Kentucky. It is also the 4,298^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 44 employees at 3 locations. Kentucky Neighborhood Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Kentucky Neighborhood Bank FDIC Certificate # 34572 BankRate Report View Year Established 1997 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $127.87 million Loans $94.71 million Deposits $106.62 million Equity Capital $14.00 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $2.69 million Real Estate Owned $1.94 million Historic Data - March 2011 Assets $117.80 million Equity Capital $13.12 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $2.89 million Real Estate Owned $1.78 million Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 1.21% Return on Equity 10.99% Interest Income $1.64 million

Institution Health Overall Score: 3 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 Neighborhood Bank had $4.62 million in non-current loans and owned real-estate with $15.08 million in equity and loan loss allowances on hand to cover it. This gives Kentucky Neighborhood Bank a Texas Ratio of 30.66% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kentucky Neighborhood Bank held steady from 32.76% as of March 31, 2011 to 30.66% as of March 31, 2012, resulting in a positive change of 6.39%.This indicates that the balance sheet and financial strength for Kentucky Neighborhood Bank has held steady in recent periods. Deposit Growth In the past year, Kentucky Neighborhood Bank has increased its total deposits by $11.2 million, resulting in 11.74% 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 Neighborhood 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. Kentucky Neighborhood Bank has $127.87 million in assets with $15.08 million in equity, resulting in a capitalization level of 11.80%, which is above average.

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