The Peoples Bank of Bullitt County

The Peoples Bank of Bullitt County is headquartered in Shepherdsville and is the 61^st largest bank in the state of Kentucky. It is also the 2,862^nd largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 56 employees at 5 locations. The Peoples Bank of Bullitt County's savings rates are 4X the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics The Peoples Bank of Bullitt County FDIC Certificate # 1884 BankRate Report View Year Established 1900 Employees 56 Primary Regulator FDIC Assets and Liabilities Assets $223.01 million Loans $85.22 million Deposits $191.66 million Equity Capital $30.24 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $11.32 million Real Estate Owned $852,000 Historic Data - March 2011 Assets $222.91 million Equity Capital $29.12 million Loan Loss Allowance $1.69 million Unbacked Noncurrent Loans $9.31 million Real Estate Owned $386,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.87% Return on Equity 6.28% Interest Income $2.43 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 Peoples Bank of Bullitt County had $12.17 million in non-current loans and owned real-estate with $31.97 million in equity and loan loss allowances on hand to cover it. This gives The Peoples Bank of Bullitt County a Texas Ratio of 38.06% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Peoples Bank of Bullitt County increased slightly from 31.45% as of March 31, 2011 to 38.06% as of March 31, 2012, resulting in a negative change of 21.00%. This indicates that the balance sheet and financial strength for The Peoples Bank of Bullitt County has declined slightly in recent periods. Deposit Growth In the past year, The Peoples Bank of Bullitt County has increased its total deposits by $15.08 million, resulting in 8.54% 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 Peoples Bank of Bullitt County 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 Peoples Bank of Bullitt County has $223.01 million in assets with $31.97 million in equity, resulting in a capitalization level of 14.34%, which is excellent.

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