Bank of Cadiz and Trust Company

Bank of Cadiz and Trust Company Locations

Main And Scott Streets
Cadiz, KY 42211
(866) 554-6066
www.bankofcadiz.com

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Bank of Cadiz and Trust Company is headquartered in Cadiz and is the 134^th largest bank in the state of Kentucky. It is also the 4,823^rd largest bank in the nation. It was established in 1970 and as of December of 2011, it had grown to 35 employees at 5 locations. Bank of Cadiz and Trust Company has a 5-star health rating.

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

Bank of Cadiz and Trust Company Checking Account Rates

Apy	Min	Max	Product
0.50%	$100k	-	First Club Plus Account
0.50%	$100k	-	Super Now Account
0.50%	$100k	-	Now Account

Bank of Cadiz and Trust Company Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Variable Rate Roth IRA
0.50%	-	-	Variable Rate IRA
0.50%	-	-	Variable Rate Coverdell Education Savings
0.15%	$100	-	Christmas Club Account
0.10%	$100	-	Passbook Savings Account

Bank of Cadiz and Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.60%	$250k	-	Money Management Account

Bank of Cadiz and Trust Company CD Rates

Apy	Min	Max	Product
1.30%	$500	-	60 Month CD
1.00%	$500	-	48 Month CD
0.80%	$500	-	36 Month CD
0.60%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.40%	$500	-	14 Month CD
0.35%	$500	-	12 Month CD
0.25%	$2,500	-	9 Month CD
0.20%	$2,500	-	6 Month CD
0.20%	$2,500	-	7 Month CD
0.10%	$2,500	-	3 Month CD

Bank of Cadiz and Trust Company IRA Rates

Apy	Min	Max	Product
1.30%	$100	-	60 Month IRA
1.30%	$100	-	60 Month Roth IRA
1.30%	$100	-	60 Month Coverdell Education Savings
1.00%	$100	-	48 Month IRA
1.00%	$100	-	48 Month Roth IRA
1.00%	$100	-	48 Month Coverdell Education Savings
0.80%	$100	-	36 Month IRA
0.80%	$100	-	36 Month Roth IRA
0.80%	$100	-	36 Month Coverdell Education Savings
0.60%	$100	-	24 Month IRA
0.60%	$100	-	24 Month Roth IRA
0.60%	$100	-	24 Month Coverdell Education Savings
0.50%	$100	-	18 Month IRA
0.50%	$100	-	18 Month Roth IRA
0.50%	$100	-	18 Month Coverdell Education Savings
0.40%	$100	-	14 Month IRA
0.40%	$100	-	14 Month Roth IRA
0.40%	$100	-	14 Month Coverdell Education Savings
0.35%	$100	-	12 Month IRA
0.35%	$100	-	12 Month Roth IRA
0.35%	$100	-	12 Month Coverdell Education Savings
0.25%	$100	-	9 Month IRA
0.25%	$100	-	9 Month Roth IRA
0.25%	$100	-	9 Month Coverdell Education Savings
0.20%	$100	-	6 Month IRA
0.20%	$100	-	7 Month IRA
0.20%	$100	-	6 Month Roth IRA
0.20%	$100	-	7 Month Roth IRA
0.20%	$100	-	6 Month Coverdell Education Savings
0.20%	$100	-	7 Month Coverdell Education Savings
0.10%	$100	-	3 Month IRA
0.10%	$100	-	3 Month Roth IRA
0.10%	$100	-	3 Month Coverdell Education Savings

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

Bank of Cadiz and Trust Company
FDIC Certificate #	20239
BankRate Report	View
Year Established	1970
Employees	35
Primary Regulator	FDIC
Assets and Liabilities
Assets	$104.59 million
Loans	$69.09 million
Deposits	$84.59 million
Equity Capital	$8.27 million
Loan Loss Allowance	$759,000
Unbacked Noncurrent Loans	$143,000
Real Estate Owned	$12,000
Historic Data - December 2010
Assets	$99.36 million
Equity Capital	$6.46 million
Loan Loss Allowance	$736,000
Unbacked Noncurrent Loans	$159,000
Real Estate Owned	$461,000
Profit Margin - Quarterly
Net Interest Margin	3.55%
Return on Assets	0.96%
Return on Equity	13.47%
Interest Income	$4.47 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 December 31, 2011 Bank of Cadiz and Trust Company had $155,000 in non-current loans and owned real-estate with $9.03 million in equity and loan loss allowances on hand to cover it. This gives Bank of Cadiz and Trust Company a Texas Ratio of 1.72% 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 Bank of Cadiz and Trust Company decreased significantly from 8.61% as of December 31, 2010 to 1.72% as of December 31, 2011, resulting in a positive change of 80.08%.This indicates that the balance sheet and financial strength for Bank of Cadiz and Trust Company has improved significantly in recent periods.
Deposit Growth
In the past year, Bank of Cadiz and Trust Company has increased its total deposits by $3.43 million, resulting in 4.23% 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 Bank of Cadiz and 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. Bank of Cadiz and Trust Company has $104.59 million in assets with $9.03 million in equity, resulting in a capitalization level of 8.64%, which is average.

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