is headquartered in Chaplin and is the 77^th largest bank in the state of Kentucky. It is also the 3,448^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 40 employees at 6 locations. has a 3-star health rating.

Routing Number: 083907052

Data for Q1 2012

Institution Statistics King Southern Bank FDIC Certificate # 18900 BankRate Report View Year Established 1920 Employees 40 Primary Regulator FED Assets and Liabilities Assets $176.41 million Loans $140.64 million Deposits $126.29 million Equity Capital $15.92 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $1.92 million Real Estate Owned $3.04 million Historic Data - March 2011 Assets $176.49 million Equity Capital $14.89 million Loan Loss Allowance $1.53 million Unbacked Noncurrent Loans $3.04 million Real Estate Owned $1.57 million Profit Margin - Quarterly Net Interest Margin 4.67% Return on Assets 1.15% Return on Equity 12.85% Interest Income $2.41 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 had $4.96 million in non-current loans and owned real-estate with $17.92 million in equity and loan loss allowances on hand to cover it. This gives a Texas Ratio of 27.68% 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 held steady from 28.02% as of March 31, 2011 to 27.68% as of March 31, 2012, resulting in a positive change of 1.21%.This indicates that the balance sheet and financial strength for has held steady in recent periods. Deposit Growth In the past year, has decreased its total deposits by -$1.16 million, resulting in -0.91% 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 has shown is 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. has $176.41 million in assets with $17.92 million in equity, resulting in a capitalization level of 10.16%, which is above average.

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