The Lincoln National Bank of Hodgenville

The Lincoln National Bank of Hodgenville is headquartered in Hodgenville and is the 90^th largest bank in the state of Kentucky. It is also the 3,734^th largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 57 employees at 3 locations. The Lincoln National Bank of Hodgenville's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

The Lincoln National Bank of Hodgenville Checking Account Rates

The Lincoln National Bank of Hodgenville Savings Account Rates

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The Lincoln National Bank of Hodgenville IRA Rates

Data for Q1 2012

Institution Statistics The Lincoln National Bank of Hodgenville FDIC Certificate # 2750 BankRate Report View Year Established 1930 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $158.01 million Loans $111.15 million Deposits $117.74 million Equity Capital $27.62 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $453,000 Real Estate Owned $306,000 Historic Data - March 2011 Assets $149.85 million Equity Capital $26.13 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $423,000 Real Estate Owned $91,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 1.03% Return on Equity 5.85% Interest Income $1.84 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 Lincoln National Bank of Hodgenville had $759,000 in non-current loans and owned real-estate with $29.04 million in equity and loan loss allowances on hand to cover it. This gives The Lincoln National Bank of Hodgenville a Texas Ratio of 2.61% 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 The Lincoln National Bank of Hodgenville held steady from 1.88% as of March 31, 2011 to 2.61% as of March 31, 2012, resulting in a negative change of 39.06%. This indicates that the balance sheet and financial strength for The Lincoln National Bank of Hodgenville has held steady in recent periods. Deposit Growth In the past year, The Lincoln National Bank of Hodgenville has increased its total deposits by $7.77 million, resulting in 7.07% 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 Lincoln National Bank of Hodgenville 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 Lincoln National Bank of Hodgenville has $158.01 million in assets with $29.04 million in equity, resulting in a capitalization level of 18.38%, which is excellent.

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