Planters Bank, Inc.

Planters Bank, Inc. is headquartered in Hopkinsville and is the 17^st largest bank in the state of Kentucky. It is also the 990^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 118 employees at 9 locations. Planters Bank, Inc. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Planters Bank, Inc. FDIC Certificate # 34254 BankRate Report View Year Established 1996 Employees 118 Primary Regulator FDIC Assets and Liabilities Assets $668.16 million Loans $436.96 million Deposits $520.97 million Equity Capital $73.69 million Loan Loss Allowance $7.55 million Unbacked Noncurrent Loans $3.75 million Real Estate Owned $143,000 Historic Data - March 2011 Assets $602.98 million Equity Capital $47.33 million Loan Loss Allowance $6.59 million Unbacked Noncurrent Loans $3.73 million Real Estate Owned $173,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.55% Return on Equity 14.16% Interest Income $7.27 million

Institution Health Overall Score: 5 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 Planters Bank, Inc. had $3.89 million in non-current loans and owned real-estate with $81.24 million in equity and loan loss allowances on hand to cover it. This gives Planters Bank, Inc. a Texas Ratio of 4.79% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Planters Bank, Inc. decreased slightly from 7.23% as of March 31, 2011 to 4.79% as of March 31, 2012, resulting in a positive change of 33.76%.This indicates that the balance sheet and financial strength for Planters Bank, Inc. has improved slightly in recent periods. Deposit Growth In the past year, Planters Bank, Inc. has increased its total deposits by $28.92 million, resulting in 5.88% 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 Planters Bank, Inc. 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. Planters Bank, Inc. has $668.16 million in assets with $81.24 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

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