The Bank of Henderson Inc.

The Bank of Henderson Inc. is headquartered in Henderson and is the 152^nd largest bank in the state of Kentucky. It is also the 5,541^st largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 21 employees at 2 locations. The Bank of Henderson Inc. has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Bank of Henderson Inc. FDIC Certificate # 35380 BankRate Report View Year Established 2000 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $78.12 million Loans $58.55 million Deposits $59.57 million Equity Capital $8.46 million Loan Loss Allowance $1.09 million Unbacked Noncurrent Loans $1.44 million Real Estate Owned $40,000 Historic Data - March 2011 Assets $67.89 million Equity Capital $6.72 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $1.47 million Real Estate Owned $791,000 Profit Margin - Quarterly Net Interest Margin 5.1% Return on Assets 2% Return on Equity 18.67% Interest Income $1.09 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 The Bank of Henderson Inc. had $1.48 million in non-current loans and owned real-estate with $9.55 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Henderson Inc. a Texas Ratio of 15.55% 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 The Bank of Henderson Inc. decreased significantly from 29.25% as of March 31, 2011 to 15.55% as of March 31, 2012, resulting in a positive change of 46.86%.This indicates that the balance sheet and financial strength for The Bank of Henderson Inc. has improved significantly in recent periods. Deposit Growth In the past year, The Bank of Henderson Inc. has increased its total deposits by $5.63 million, resulting in 10.44% 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 The Bank of Henderson 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. The Bank of Henderson Inc. has $78.12 million in assets with $9.55 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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