Central Kentucky Federal Savings Bank

Central Kentucky Federal Savings Bank is headquartered in Danville and is the 116^st largest bank in the state of Kentucky. It is also the 4,285^th largest bank in the nation. It was established in 1886 and as of December of 2011, it had grown to 27 employees at 3 locations. Central Kentucky Federal Savings Bank has a 3-star health rating.

Central Kentucky Federal Savings Bank Checking Account Rates

Central Kentucky Federal Savings Bank Savings Account Rates

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Central Kentucky Federal Savings Bank IRA Rates

Data for Q4 2011

Institution Statistics Central Kentucky Federal Savings Bank OTS # 06466 FDIC Certificate # 31156 BankRate Report View Year Established 1886 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $126.95 million Loans $106.92 million Deposits $100.84 million Equity Capital $12.68 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $3.81 million Real Estate Owned $1.08 million Historic Data - December 2010 Assets $130.46 million Equity Capital $13.38 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $3.85 million Real Estate Owned $1.21 million Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets -0.54% Return on Equity -5.22% Interest Income $6.38 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 December 31, 2011 Central Kentucky Federal Savings Bank had $4.89 million in non-current loans and owned real-estate with $13.98 million in equity and loan loss allowances on hand to cover it. This gives Central Kentucky Federal Savings Bank a Texas Ratio of 34.95% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Kentucky Federal Savings Bank held steady from 34.58% as of December 31, 2010 to 34.95% as of December 31, 2011, resulting in a negative change of 1.06%. This indicates that the balance sheet and financial strength for Central Kentucky Federal Savings Bank has held steady in recent periods. Deposit Growth In the past year, Central Kentucky Federal Savings Bank has decreased its total deposits by $-840,000, resulting in -0.83% 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 Central Kentucky Federal Savings Bank has shown is 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. Central Kentucky Federal Savings Bank has $126.95 million in assets with $13.98 million in equity, resulting in a capitalization level of 11.01%, which is above average.

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