Owingsville Banking Company

Owingsville Banking Company is headquartered in Owingsville and is the 159^th largest bank in the state of Kentucky. It is also the 5,783^rd largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 29 employees at 3 locations. Owingsville Banking Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics Owingsville Banking Company FDIC Certificate # 9672 BankRate Report View Year Established 1893 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $69.53 million Loans $42.11 million Deposits $56.65 million Equity Capital $5.92 million Loan Loss Allowance $755,000 Unbacked Noncurrent Loans $1.78 million Historic Data - March 2011 Assets $67.72 million Equity Capital $6.65 million Loan Loss Allowance $670,000 Unbacked Noncurrent Loans $1.06 million Real Estate Owned $210,000 Profit Margin - Quarterly Net Interest Margin 4.53% Return on Assets 0.59% Return on Equity 6.92% Interest Income $881,000

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 Owingsville Banking Company had $1.78 million in non-current loans and owned real-estate with $6.68 million in equity and loan loss allowances on hand to cover it. This gives Owingsville Banking Company a Texas Ratio of 26.63% 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 Owingsville Banking Company increased slightly from 17.28% as of March 31, 2011 to 26.63% as of March 31, 2012, resulting in a negative change of 54.11%. This indicates that the balance sheet and financial strength for Owingsville Banking Company has declined slightly in recent periods. Deposit Growth In the past year, Owingsville Banking Company has increased its total deposits by $1.67 million, resulting in 3.03% 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 Owingsville Banking Company 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. Owingsville Banking Company has $69.53 million in assets with $6.68 million in equity, resulting in a capitalization level of 9.60%, which is average.

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