The Monticello Banking Company

The Monticello Banking Company is headquartered in Monticello and is the 18^st largest bank in the state of Kentucky. It is also the 1,129^th largest bank in the nation. It was established in 1895 and as of March of 2012, it had grown to 160 employees at 12 locations. The Monticello Banking Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Monticello Banking Company FDIC Certificate # 292 BankRate Report View Year Established 1895 Employees 160 Primary Regulator FED Assets and Liabilities Assets $594.09 million Loans $350.81 million Deposits $539.65 million Equity Capital $53.60 million Loan Loss Allowance $5.41 million Unbacked Noncurrent Loans $10.23 million Real Estate Owned $2.92 million Historic Data - March 2011 Assets $607.57 million Equity Capital $49.47 million Loan Loss Allowance $6.24 million Unbacked Noncurrent Loans $11.44 million Real Estate Owned $2.69 million Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.6% Return on Equity 6.68% Interest Income $6.59 million

Institution Health Overall Score: 3 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 Monticello Banking Company had $13.14 million in non-current loans and owned real-estate with $59 million in equity and loan loss allowances on hand to cover it. This gives The Monticello Banking Company a Texas Ratio of 22.28% 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 Monticello Banking Company held steady from 25.37% as of March 31, 2011 to 22.28% as of March 31, 2012, resulting in a positive change of 12.20%.This indicates that the balance sheet and financial strength for The Monticello Banking Company has held steady in recent periods. Deposit Growth In the past year, The Monticello Banking Company has decreased its total deposits by -$17.04 million, resulting in -3.06% 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 Monticello Banking Company has shown is below 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. The Monticello Banking Company has $594.09 million in assets with $59 million in equity, resulting in a capitalization level of 9.93%, which is average.

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