The Bank of Kentucky, Inc.

The Bank of Kentucky, Inc. is headquartered in Crestview Hills and is the 5^th largest bank in the state of Kentucky. It is also the 391^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 359 employees at 33 locations. The Bank of Kentucky, Inc. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Bank of Kentucky, Inc. FDIC Certificate # 33022 BankRate Report View Year Established 1990 Employees 359 Primary Regulator FDIC Assets and Liabilities Assets $1.75 billion Loans $1.12 billion Deposits $1.51 billion Equity Capital $175.88 million Loan Loss Allowance $18.36 million Unbacked Noncurrent Loans $17.46 million Real Estate Owned $6.33 million Historic Data - March 2011 Assets $1.63 billion Equity Capital $177.90 million Loan Loss Allowance $17.69 million Unbacked Noncurrent Loans $20.37 million Real Estate Owned $1.08 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 1.07% Return on Equity 10.68% Interest Income $15.69 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 The Bank of Kentucky, Inc. had $23.79 million in non-current loans and owned real-estate with $194.24 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Kentucky, Inc. a Texas Ratio of 12.25% which is above 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 Kentucky, Inc. held steady from 10.97% as of March 31, 2011 to 12.25% as of March 31, 2012, resulting in a negative change of 11.64%. This indicates that the balance sheet and financial strength for The Bank of Kentucky, Inc. has held steady in recent periods. Deposit Growth In the past year, The Bank of Kentucky, Inc. has increased its total deposits by $114.99 million, resulting in 8.26% 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 Kentucky, 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 Kentucky, Inc. has $1.75 billion in assets with $194.24 million in equity, resulting in a capitalization level of 11.09%, which is above average.

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