Town Square Bank, Inc.

Town Square Bank, Inc. is headquartered in Ashland and is the 73^rd largest bank in the state of Kentucky. It is also the 3,345^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 53 employees at 5 locations. Town Square Bank, Inc. has a 3-star health rating.

Data for Q1 2012

Institution Statistics Town Square Bank, Inc. FDIC Certificate # 35337 BankRate Report View Year Established 2000 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $182.64 million Loans $131.46 million Deposits $148.55 million Equity Capital $16.73 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $6.21 million Real Estate Owned $2.23 million Historic Data - March 2011 Assets $168.00 million Equity Capital $15.63 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $4.09 million Real Estate Owned $51,000 Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 0.57% Return on Equity 6.15% Interest Income $2.16 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 Town Square Bank, Inc. had $8.43 million in non-current loans and owned real-estate with $18.31 million in equity and loan loss allowances on hand to cover it. This gives Town Square Bank, Inc. a Texas Ratio of 46.05% 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 Town Square Bank, Inc. increased slightly from 23.61% as of March 31, 2011 to 46.05% as of March 31, 2012, resulting in a negative change of 95.02%. This indicates that the balance sheet and financial strength for Town Square Bank, Inc. has declined slightly in recent periods. Deposit Growth In the past year, Town Square Bank, Inc. has increased its total deposits by $14.5 million, resulting in 10.82% 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 Town Square Bank, Inc. 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. Town Square Bank, Inc. has $182.64 million in assets with $18.31 million in equity, resulting in a capitalization level of 10.03%, which is above average.

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