Victory Community Bank

Victory Community Bank is headquartered in Fort Mitchell and is the 94^th largest bank in the state of Kentucky. It is also the 3,840^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 20 employees at 3 locations. Victory Community Bank has a 4-star health rating.

Victory Community Bank Routing Number: 042174567

Data for Q1 2012

Institution Statistics Victory Community Bank OTS # 17868 FDIC Certificate # 57277 BankRate Report View Year Established 2002 Employees 20 Primary Regulator OCC Assets and Liabilities Assets $152.12 million Loans $119.55 million Deposits $113.48 million Equity Capital $19.44 million Loan Loss Allowance $842,000 Unbacked Noncurrent Loans $1.30 million Real Estate Owned $1.94 million Historic Data - March 2011 Assets $144.11 million Equity Capital $16.49 million Loan Loss Allowance $508,000 Unbacked Noncurrent Loans $1.83 million Real Estate Owned $1.23 million Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 3.74% Return on Equity 30.1% Interest Income $1.54 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 Victory Community Bank had $3.23 million in non-current loans and owned real-estate with $20.28 million in equity and loan loss allowances on hand to cover it. This gives Victory Community Bank a Texas Ratio of 15.94% 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 Victory Community Bank held steady from 17.99% as of March 31, 2011 to 15.94% as of March 31, 2012, resulting in a positive change of 11.42%.This indicates that the balance sheet and financial strength for Victory Community Bank has held steady in recent periods. Deposit Growth In the past year, Victory Community Bank has increased its total deposits by $6.1 million, resulting in 5.68% 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 Victory Community 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. Victory Community Bank has $152.12 million in assets with $20.28 million in equity, resulting in a capitalization level of 13.33%, which is excellent.

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