United Community Bank of West Kentucky, Inc.

United Community Bank of West Kentucky, Inc. is headquartered in Morganfield and is the 67^th largest bank in the state of Kentucky. It is also the 3,081^st largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 48 employees at 3 locations. United Community Bank of West Kentucky, Inc. has a 5-star health rating.

Data for Q1 2012

Institution Statistics United Community Bank of West Kentucky, Inc. FDIC Certificate # 57301 BankRate Report View Year Established 2001 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $202.82 million Loans $117.02 million Deposits $170.19 million Equity Capital $18.28 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $131,000 Real Estate Owned $72,000 Historic Data - March 2011 Assets $165.47 million Equity Capital $15.69 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $61,000 Real Estate Owned $183,000 Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 1.55% Return on Equity 16.73% Interest Income $2.23 million

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 United Community Bank of West Kentucky, Inc. had $203,000 in non-current loans and owned real-estate with $20.22 million in equity and loan loss allowances on hand to cover it. This gives United Community Bank of West Kentucky, Inc. a Texas Ratio of 1.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Community Bank of West Kentucky, Inc. decreased slightly from 1.38% as of March 31, 2011 to 1.00% as of March 31, 2012, resulting in a positive change of 27.32%.This indicates that the balance sheet and financial strength for United Community Bank of West Kentucky, Inc. has improved slightly in recent periods. Deposit Growth In the past year, United Community Bank of West Kentucky, Inc. has increased its total deposits by $35.43 million, resulting in 26.29% 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 United Community Bank of West Kentucky, 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. United Community Bank of West Kentucky, Inc. has $202.82 million in assets with $20.22 million in equity, resulting in a capitalization level of 9.97%, which is average.

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