Peoples Bank of Kentucky, Inc.

Peoples Bank of Kentucky, Inc. is headquartered in Flemingsburg and is the 70^th largest bank in the state of Kentucky. It is also the 3,206^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 55 employees at 6 locations. Peoples Bank of Kentucky, Inc. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Peoples Bank of Kentucky, Inc. FDIC Certificate # 16970 BankRate Report View Year Established 1906 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $193.99 million Loans $149.91 million Deposits $160.67 million Equity Capital $26.95 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $4.25 million Real Estate Owned $674,000 Historic Data - March 2011 Assets $184.06 million Equity Capital $25.13 million Loan Loss Allowance $2.41 million Unbacked Noncurrent Loans $4.37 million Real Estate Owned $73,000 Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 1.28% Return on Equity 9.3% Interest Income $2.38 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 Peoples Bank of Kentucky, Inc. had $4.93 million in non-current loans and owned real-estate with $29.47 million in equity and loan loss allowances on hand to cover it. This gives Peoples Bank of Kentucky, Inc. a Texas Ratio of 16.72% 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 Peoples Bank of Kentucky, Inc. held steady from 16.12% as of March 31, 2011 to 16.72% as of March 31, 2012, resulting in a negative change of 3.75%. This indicates that the balance sheet and financial strength for Peoples Bank of Kentucky, Inc. has held steady in recent periods. Deposit Growth In the past year, Peoples Bank of Kentucky, Inc. has increased its total deposits by $7.52 million, resulting in 4.91% 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 Peoples Bank of Kentucky, Inc. 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. Peoples Bank of Kentucky, Inc. has $193.99 million in assets with $29.47 million in equity, resulting in a capitalization level of 15.19%, which is excellent.

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