South Central Bank of Monroe County

South Central Bank of Monroe County is headquartered in Tompkinsville and is the 126^th largest bank in the state of Kentucky. It is also the 4,582^nd largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 34 employees at 5 locations. South Central Bank of Monroe County has a 4-star health rating.

Data for Q1 2012

Institution Statistics South Central Bank of Monroe County FDIC Certificate # 8133 BankRate Report View Year Established 1889 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $114.99 million Loans $64.93 million Deposits $95.61 million Equity Capital $14.30 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $2.77 million Real Estate Owned $285,000 Historic Data - March 2011 Assets $115.82 million Equity Capital $13.80 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $3.30 million Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 0.5% Return on Equity 4.03% Interest Income $1.21 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 South Central Bank of Monroe County had $3.05 million in non-current loans and owned real-estate with $15.35 million in equity and loan loss allowances on hand to cover it. This gives South Central Bank of Monroe County a Texas Ratio of 19.88% 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 South Central Bank of Monroe County held steady from 22.19% as of March 31, 2011 to 19.88% as of March 31, 2012, resulting in a positive change of 10.42%.This indicates that the balance sheet and financial strength for South Central Bank of Monroe County has held steady in recent periods. Deposit Growth In the past year, South Central Bank of Monroe County has increased its total deposits by $1.13 million, resulting in 1.19% 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 South Central Bank of Monroe County 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. South Central Bank of Monroe County has $114.99 million in assets with $15.35 million in equity, resulting in a capitalization level of 13.35%, which is excellent.

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