Wilson & Muir Bank & Trust Company

Wilson & Muir Bank & Trust Company Locations

101 North Third Street
Bardstown, KY 40004
502/348-5996
www.wilsonmuirbank.com

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Wilson & Muir Bank & Trust Company is headquartered in Bardstown and is the 29^th largest bank in the state of Kentucky. It is also the 1,605^th largest bank in the nation. It was established in 1865 and as of March of 2012, it had grown to 129 employees at 11 locations. Wilson & Muir Bank & Trust Company has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Wilson & Muir Bank & Trust Company Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$25k	-	Premium Advantage Checking

Wilson & Muir Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Health Savings
0.15%	$25k	-	Maximum Advantage Savings

Wilson & Muir Bank & Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.15%	$25k	-	Money Market Advantage

Wilson & Muir Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.10%	-	-	30 Month CD
1.10%	-	-	48 Month CD
0.70%	-	-	24 Month CD
0.45%	-	-	13 Month CD
0.45%	-	-	18 Month CD
0.40%	-	-	12 Month CD
0.20%	-	-	182 Day CD
0.20%	-	-	7 Month CD
0.20%	-	-	9 Month CD
0.15%	-	-	91 Day CD
0.10%	-	-	7-31 Day CD

Wilson & Muir Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.10%	-	-	30 Month Fixed IRA
1.10%	-	-	30 Month Fixed Roth IRA
1.10%	-	-	30 Month Fixed CESA
0.45%	-	-	18 Month Fixed IRA
0.45%	-	-	18 Month Fixed Roth IRA
0.45%	-	-	18 Month Fixed CESA
0.40%	-	-	12 Month Fixed IRA
0.40%	-	-	12 Month Fixed Roth IRA
0.40%	-	-	12 Month Fixed CESA
0.20%	-	-	182 Day Fixed IRA
0.20%	-	-	182 Day Fixed Roth IRA
0.20%	-	-	182 Day Fixed CESA
0.14%	-	-	18 Month Variable IRA
0.14%	-	-	18 Month Variable Roth IRA
0.14%	-	-	18 Month Variable CESA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Wilson & Muir Bank & Trust Company
FDIC Certificate #	17040
BankRate Report	View
Year Established	1865
Employees	129
Primary Regulator	FDIC
Assets and Liabilities
Assets	$414.80 million
Loans	$256.18 million
Deposits	$365.08 million
Equity Capital	$36.60 million
Loan Loss Allowance	$3.77 million
Unbacked Noncurrent Loans	$5.30 million
Real Estate Owned	$1.89 million
Historic Data - March 2011
Assets	$397.87 million
Equity Capital	$34.71 million
Loan Loss Allowance	$2.95 million
Unbacked Noncurrent Loans	$5.16 million
Real Estate Owned	$614,000
Profit Margin - Quarterly
Net Interest Margin	4.06%
Return on Assets	1.32%
Return on Equity	14.75%
Interest Income	$4.31 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 Wilson & Muir Bank & Trust Company had $7.18 million in non-current loans and owned real-estate with $40.36 million in equity and loan loss allowances on hand to cover it. This gives Wilson & Muir Bank & Trust Company a Texas Ratio of 17.80% 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 Wilson & Muir Bank & Trust Company held steady from 15.34% as of March 31, 2011 to 17.80% as of March 31, 2012, resulting in a negative change of 16.07%. This indicates that the balance sheet and financial strength for Wilson & Muir Bank & Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Wilson & Muir Bank & Trust Company has increased its total deposits by $17.34 million, resulting in 4.99% 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 Wilson & Muir Bank & Trust Company 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. Wilson & Muir Bank & Trust Company has $414.8 million in assets with $40.36 million in equity, resulting in a capitalization level of 9.73%, which is average.

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