Traditional Bank, Inc.

Traditional Bank, Inc. is headquartered in Mount Sterling and is the 10^st largest bank in the state of Kentucky. It is also the 604^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 194 employees at 12 locations. Traditional Bank, Inc. has a 4-star health rating.

Data for Q1 2012

Institution Statistics Traditional Bank, Inc. FDIC Certificate # 2711 BankRate Report View Year Established 1902 Employees 194 Primary Regulator FDIC Assets and Liabilities Assets $1.08 billion Loans $737.34 million Deposits $894.03 million Equity Capital $102.35 million Loan Loss Allowance $12.93 million Unbacked Noncurrent Loans $12.99 million Real Estate Owned $6.85 million Historic Data - March 2011 Assets $1.06 billion Equity Capital $89.75 million Loan Loss Allowance $12.98 million Unbacked Noncurrent Loans $11.64 million Real Estate Owned $2.42 million Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 1.16% Return on Equity 12.29% Interest Income $11.95 million

Institution Health Overall Score: 4 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 Traditional Bank, Inc. had $19.83 million in non-current loans and owned real-estate with $115.28 million in equity and loan loss allowances on hand to cover it. This gives Traditional Bank, Inc. a Texas Ratio of 17.20% 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 Traditional Bank, Inc. held steady from 13.67% as of March 31, 2011 to 17.20% as of March 31, 2012, resulting in a negative change of 25.83%. This indicates that the balance sheet and financial strength for Traditional Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, Traditional Bank, Inc. has increased its total deposits by $15.4 million, resulting in 1.75% 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 Traditional Bank, Inc. has shown is above average. 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. Traditional Bank, Inc. has $1.08 billion in assets with $115.28 million in equity, resulting in a capitalization level of 10.63%, which is above average.

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