Kinderhook Bank

Kinderhook Bank is headquartered in Kinderhook and is the 105^th largest bank in the state of New York. It is also the 2,219^st largest bank in the nation. It was established in 1853 and as of March of 2012, it had grown to 62 employees at 6 locations. Kinderhook Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics The National Union Bank of Kinderhook FDIC Certificate # 7128 BankRate Report View Year Established 1853 Employees 62 Primary Regulator OCC Assets and Liabilities Assets $294.31 million Loans $199.03 million Deposits $262.17 million Equity Capital $29.47 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $1.51 million Historic Data - March 2011 Assets $256.08 million Equity Capital $20.89 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $2.38 million Real Estate Owned $74,000 Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 0.78% Return on Equity 7.37% Interest Income $2.92 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 Kinderhook Bank had $1.51 million in non-current loans and owned real-estate with $31.62 million in equity and loan loss allowances on hand to cover it. This gives Kinderhook Bank a Texas Ratio of 4.77% 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 Kinderhook Bank decreased significantly from 10.87% as of March 31, 2011 to 4.77% as of March 31, 2012, resulting in a positive change of 56.16%.This indicates that the balance sheet and financial strength for Kinderhook Bank has improved significantly in recent periods. Deposit Growth In the past year, Kinderhook Bank has increased its total deposits by $32.9 million, resulting in 14.35% 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 Kinderhook 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. Kinderhook Bank has $294.31 million in assets with $31.62 million in equity, resulting in a capitalization level of 10.74%, which is above average.

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