Morgantown Bank & Trust Company, Incorporated

Morgantown Bank & Trust Company, Incorporated is headquartered in Morgantown and is the 97^th largest bank in the state of Kentucky. It is also the 3,921^st largest bank in the nation. It was established in 1880 and as of March of 2012, it had grown to 46 employees at 5 locations. Morgantown Bank & Trust Company, Incorporated has a 4-star health rating.

Data for Q1 2012

Institution Statistics Morgantown Bank & Trust Company, Incorporated FDIC Certificate # 275 BankRate Report View Year Established 1880 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $147.35 million Loans $97.03 million Deposits $123.38 million Equity Capital $12.99 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $850,000 Real Estate Owned $465,000 Historic Data - March 2011 Assets $135.01 million Equity Capital $12.65 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $1.12 million Real Estate Owned $1.46 million Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 0.52% Return on Equity 5.76% Interest Income $1.66 million

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 Morgantown Bank & Trust Company, Incorporated had $1.32 million in non-current loans and owned real-estate with $14.42 million in equity and loan loss allowances on hand to cover it. This gives Morgantown Bank & Trust Company, Incorporated a Texas Ratio of 9.12% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Morgantown Bank & Trust Company, Incorporated decreased significantly from 18.59% as of March 31, 2011 to 9.12% as of March 31, 2012, resulting in a positive change of 50.93%.This indicates that the balance sheet and financial strength for Morgantown Bank & Trust Company, Incorporated has improved significantly in recent periods. Deposit Growth In the past year, Morgantown Bank & Trust Company, Incorporated has increased its total deposits by $10.49 million, resulting in 9.3% 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 Morgantown Bank & Trust Company, Incorporated 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. Morgantown Bank & Trust Company, Incorporated has $147.35 million in assets with $14.42 million in equity, resulting in a capitalization level of 9.78%, which is average.

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