The Salt Lick Deposit Bank

The Salt Lick Deposit Bank is headquartered in Salt Lick and is the 153^rd largest bank in the state of Kentucky. It is also the 5,686^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 17 employees at 2 locations. The Salt Lick Deposit Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Salt Lick Deposit Bank FDIC Certificate # 8784 BankRate Report View Year Established 1901 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $73.19 million Loans $52.08 million Deposits $61.84 million Equity Capital $8.27 million Loan Loss Allowance $839,000 Unbacked Noncurrent Loans $1.07 million Real Estate Owned $858,000 Historic Data - March 2011 Assets $77.81 million Equity Capital $7.73 million Loan Loss Allowance $794,000 Unbacked Noncurrent Loans $982,000 Real Estate Owned $686,000 Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.84% Return on Equity 7.42% Interest Income $796,000

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 Salt Lick Deposit Bank had $1.93 million in non-current loans and owned real-estate with $9.11 million in equity and loan loss allowances on hand to cover it. This gives The Salt Lick Deposit Bank a Texas Ratio of 21.19% 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 Salt Lick Deposit Bank held steady from 19.57% as of March 31, 2011 to 21.19% as of March 31, 2012, resulting in a negative change of 8.31%. This indicates that the balance sheet and financial strength for The Salt Lick Deposit Bank has held steady in recent periods. Deposit Growth In the past year, The Salt Lick Deposit Bank has decreased its total deposits by -$4.74 million, resulting in -7.11% 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 Salt Lick Deposit Bank has shown is poor. 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 Salt Lick Deposit Bank has $73.19 million in assets with $9.11 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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