The Murray Bank

The Murray Bank is headquartered in Murray and is the 58^th largest bank in the state of Kentucky. It is also the 2,758^th largest bank in the nation. It was established in 1999 and as of September of 2011, it had grown to 46 employees at 2 locations. The Murray Bank has a 3-star health rating.

The Murray Bank Routing Number: 083974412

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Data for Q3 2011

Institution Statistics The Murray Bank OTS # 15834 FDIC Certificate # 35161 BankRate Report View Year Established 1999 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $230.37 million Loans $132.42 million Deposits $200.78 million Equity Capital $20.15 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $2.56 million Real Estate Owned $873,000 Historic Data - September 2010 Assets $211.19 million Equity Capital $18.03 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $758,000 Real Estate Owned $271,000 Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets 0.74% Return on Equity 8.92% Interest Income $7.12 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 September 30, 2011 The Murray Bank had $3.43 million in non-current loans and owned real-estate with $21.49 million in equity and loan loss allowances on hand to cover it. This gives The Murray Bank a Texas Ratio of 15.96% 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 Murray Bank increased slightly from 5.35% as of September 30, 2010 to 15.96% as of September 30, 2011, resulting in a negative change of 198.35%. This indicates that the balance sheet and financial strength for The Murray Bank has declined slightly in recent periods. Deposit Growth In the past year, The Murray Bank has increased its total deposits by $17.71 million, resulting in 9.67% 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 Murray Bank 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 Murray Bank has $230.36 million in assets with $21.49 million in equity, resulting in a capitalization level of 9.33%, which is average.

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