West Point Bank

West Point Bank is headquartered in Radcliff and is the 91^st largest bank in the state of Kentucky. It is also the 3,751^st largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 31 employees at 5 locations. West Point Bank's savings rates are 3X the national average, and it has a 4-star health rating.

West Point Bank Routing Number: 083906668

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Data for Q1 2012

Institution Statistics West Point Bank FDIC Certificate # 12166 BankRate Report View Year Established 1914 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $157.23 million Loans $65.94 million Deposits $82.25 million Equity Capital $15.77 million Loan Loss Allowance $782,000 Unbacked Noncurrent Loans $1.15 million Real Estate Owned $726,000 Historic Data - March 2011 Assets $137.55 million Equity Capital $14.64 million Loan Loss Allowance $603,000 Unbacked Noncurrent Loans $1.78 million Real Estate Owned $223,000 Profit Margin - Quarterly Net Interest Margin 3.26% Return on Assets 0.8% Return on Equity 7.66% Interest Income $1.37 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 West Point Bank had $1.87 million in non-current loans and owned real-estate with $16.55 million in equity and loan loss allowances on hand to cover it. This gives West Point Bank a Texas Ratio of 11.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for West Point Bank held steady from 13.16% as of March 31, 2011 to 11.31% as of March 31, 2012, resulting in a positive change of 14.02%.This indicates that the balance sheet and financial strength for West Point Bank has held steady in recent periods. Deposit Growth In the past year, West Point Bank has increased its total deposits by $5.76 million, resulting in 7.53% 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 West Point 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. West Point Bank has $157.23 million in assets with $16.55 million in equity, resulting in a capitalization level of 10.53%, which is above average.

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