The Berea National Bank Financial Statements & Health Reports

Acquired Jan 2006

Vitals

ROAA

ROAE

Efficiency Ratio

112.464

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	The Berea National Bank	All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets	84,108	151,758
Total Net Loans	45,588	104,727
Total Deposits	73,548	121,840
Total Equity	8,113	15,803
Profitability
Net Income	—	3,373
Return on Average Assets	—	1.276
Return on Average Equity	—	12.385
Net Interest Margin	4.138	4.154
Efficiency Ratio	112.464	63.822
Noninterest Income/Revenue	18.858	12.728
Balance Sheet Ratios
Loan-to-Deposit	61.984	81.081
Securities/Assets	.27	.383
Total Equity/Total Assets	.096	.104
Tangible Equity/Tangible Assets	.096	.043
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	8,113	15,337
Tier 2 Capital	620	1,184
Total Capital	8,733	16,491
Total Risk Weighted Assets	49,288	103,327
Leverage Ratio	9.43	10.48
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	16.46	16.226
Total Capital Ratio	17.72	17.37

The Berea National Bank was acquired by Peoples Bank And Trust Company Of Madison County 18 years

View Profile Jan 01 2006

The Berea National Bank was established 117 years ago and is currently headquartered in Berea, KY.

Dec 03 1906

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Peoples Bank And Trust Company Of Madison County	Buyer	395,358	Acquisition	Discontinued	1/1/2006

Relationships	Role	Relationship Start	Relationship End

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