The Bankers' Bank of Kentucky, Inc.

The Bankers' Bank of Kentucky, Inc. is headquartered in Frankfort and is the 164^th largest bank in the state of Kentucky. It is also the 5,949^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 27 employees at 1 location. The Bankers' Bank of Kentucky, Inc. has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Bankers' Bank of Kentucky, Inc. FDIC Certificate # 27219 BankRate Report View Year Established 1988 Employees 27 Primary Regulator FED Assets and Liabilities Assets $64.42 million Loans $30.15 million Deposits $52.19 million Equity Capital $11.27 million Loan Loss Allowance $621,000 Unbacked Noncurrent Loans $1.04 million Real Estate Owned $638,000 Historic Data - March 2011 Assets $57.34 million Equity Capital $10.56 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $1.75 million Real Estate Owned $1.34 million Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 0.99% Return on Equity 5.94% Interest Income $389,000

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 Bankers' Bank of Kentucky, Inc. had $1.68 million in non-current loans and owned real-estate with $11.89 million in equity and loan loss allowances on hand to cover it. This gives The Bankers' Bank of Kentucky, Inc. a Texas Ratio of 14.09% 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 Bankers' Bank of Kentucky, Inc. decreased significantly from 25.31% as of March 31, 2011 to 14.09% as of March 31, 2012, resulting in a positive change of 44.33%.This indicates that the balance sheet and financial strength for The Bankers' Bank of Kentucky, Inc. has improved significantly in recent periods. Deposit Growth In the past year, The Bankers' Bank of Kentucky, Inc. has increased its total deposits by $6.8 million, resulting in 14.99% 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 Bankers' 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 Bankers' Bank of Kentucky, Inc. has $64.42 million in assets with $11.89 million in equity, resulting in a capitalization level of 18.46%, which is excellent.

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