The Sacramento Deposit Bank

The Sacramento Deposit Bank is headquartered in Sacramento and is the 158^th largest bank in the state of Kentucky. It is also the 5,737^th largest bank in the nation. It was established in 1895 and as of March of 2012, it had grown to 11 employees at 1 location. The Sacramento Deposit Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

The Sacramento Deposit Bank Checking Account Rates

The Sacramento Deposit Bank Savings Account Rates

The Sacramento Deposit Bank Money Market Rates

The Sacramento Deposit Bank CD Rates

Data for Q1 2012

Institution Statistics The Sacramento Deposit Bank FDIC Certificate # 8762 BankRate Report View Year Established 1895 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $71.48 million Loans $28.46 million Deposits $63.38 million Equity Capital $7.90 million Loan Loss Allowance $407,000 Unbacked Noncurrent Loans $501,000 Real Estate Owned $255,000 Historic Data - March 2011 Assets $65.75 million Equity Capital $7.68 million Loan Loss Allowance $480,000 Unbacked Noncurrent Loans $1.08 million Real Estate Owned $6,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 1.57% Return on Equity 14.09% Interest Income $825,000

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 Sacramento Deposit Bank had $756,000 in non-current loans and owned real-estate with $8.3 million in equity and loan loss allowances on hand to cover it. This gives The Sacramento Deposit Bank a Texas Ratio of 9.10% 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 Sacramento Deposit Bank decreased slightly from 13.35% as of March 31, 2011 to 9.10% as of March 31, 2012, resulting in a positive change of 31.81%.This indicates that the balance sheet and financial strength for The Sacramento Deposit Bank has improved slightly in recent periods. Deposit Growth In the past year, The Sacramento Deposit Bank has increased its total deposits by $5.55 million, resulting in 9.6% 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 Sacramento Deposit 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 Sacramento Deposit Bank has $71.48 million in assets with $8.3 million in equity, resulting in a capitalization level of 11.62%, which is above average.

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