Kentucky-Farmers Bank of Catlettsburg, Kentucky

Kentucky-Farmers Bank of Catlettsburg, Kentucky is headquartered in Catlettsburg and is the 79^th largest bank in the state of Kentucky. It is also the 3,489^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 62 employees at 3 locations. Kentucky-Farmers Bank of Catlettsburg, Kentucky has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Kentucky Farmers Bank Corporation FDIC Certificate # 267 BankRate Report View Year Established 1931 Employees 62 Primary Regulator FDIC Assets and Liabilities Assets $172.93 million Loans $72.63 million Deposits $133.51 million Equity Capital $39.22 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $753,000 Real Estate Owned $109,000 Historic Data - March 2011 Assets $164.98 million Equity Capital $36.56 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $673,000 Real Estate Owned $14,000 Profit Margin - Quarterly Net Interest Margin 5.2% Return on Assets 3.21% Return on Equity 14.12% Interest Income $2.26 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 Kentucky-Farmers Bank of Catlettsburg, Kentucky had $862,000 in non-current loans and owned real-estate with $40.67 million in equity and loan loss allowances on hand to cover it. This gives Kentucky-Farmers Bank of Catlettsburg, Kentucky a Texas Ratio of 2.12% 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 Kentucky-Farmers Bank of Catlettsburg, Kentucky held steady from 1.81% as of March 31, 2011 to 2.12% as of March 31, 2012, resulting in a negative change of 17.14%. This indicates that the balance sheet and financial strength for Kentucky-Farmers Bank of Catlettsburg, Kentucky has held steady in recent periods. Deposit Growth In the past year, Kentucky-Farmers Bank of Catlettsburg, Kentucky has increased its total deposits by $5.32 million, resulting in 4.15% 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-Farmers Bank of Catlettsburg, Kentucky 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-Farmers Bank of Catlettsburg, Kentucky has $172.93 million in assets with $40.67 million in equity, resulting in a capitalization level of 23.52%, which is excellent.

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