Louisa Community Bank

Louisa Community Bank is headquartered in Louisa and is the 189^th largest bank in the state of Kentucky. It is also the 6,949^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 12 employees at 1 location. Louisa Community Bank has a 4-star health rating.

Louisa Community Bank Routing Number: 042108520

Data for Q1 2012

Institution Statistics Louisa Community Bank FDIC Certificate # 58112 BankRate Report View Year Established 2006 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $29.66 million Loans $23.23 million Deposits $24.28 million Equity Capital $4.27 million Loan Loss Allowance $541,000 Unbacked Noncurrent Loans $837,000 Historic Data - March 2011 Assets $27.11 million Equity Capital $3.99 million Loan Loss Allowance $343,000 Unbacked Noncurrent Loans $47,000 Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets 0.69% Return on Equity 4.83% Interest Income $371,000

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 Louisa Community Bank had $837,000 in non-current loans and owned real-estate with $4.82 million in equity and loan loss allowances on hand to cover it. This gives Louisa Community Bank a Texas Ratio of 17.38% 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 Louisa Community Bank increased slightly from 1.09% as of March 31, 2011 to 17.38% as of March 31, 2012, resulting in a negative change of 1,501.47%. This indicates that the balance sheet and financial strength for Louisa Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Louisa Community Bank has increased its total deposits by $4.94 million, resulting in 25.55% 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 Louisa Community 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. Louisa Community Bank has $29.66 million in assets with $4.82 million in equity, resulting in a capitalization level of 16.23%, which is excellent.

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