Citizens Bank of Cumberland County, Inc.

Citizens Bank of Cumberland County, Inc. is headquartered in Burkesville and is the 154^th largest bank in the state of Kentucky. It is also the 5,694^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 20 employees at 1 location. Citizens Bank of Cumberland County, Inc. has a 4-star health rating.

Data for Q1 2012

Institution Statistics Citizens Bank of Cumberland County, Inc. FDIC Certificate # 35442 BankRate Report View Year Established 2000 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $72.84 million Loans $57.76 million Deposits $60.06 million Equity Capital $8.03 million Loan Loss Allowance $760,000 Unbacked Noncurrent Loans $902,000 Real Estate Owned $290,000 Historic Data - March 2011 Assets $76.52 million Equity Capital $7.86 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $568,000 Real Estate Owned $532,000 Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 0.9% Return on Equity 8.29% Interest Income $932,000

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 Citizens Bank of Cumberland County, Inc. had $1.19 million in non-current loans and owned real-estate with $8.79 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Cumberland County, Inc. a Texas Ratio of 13.56% 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 Citizens Bank of Cumberland County, Inc. held steady from 12.28% as of March 31, 2011 to 13.56% as of March 31, 2012, resulting in a negative change of 10.46%. This indicates that the balance sheet and financial strength for Citizens Bank of Cumberland County, Inc. has held steady in recent periods. Deposit Growth In the past year, Citizens Bank of Cumberland County, Inc. has decreased its total deposits by -$2.96 million, resulting in -4.7% 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 Citizens Bank of Cumberland County, Inc. has shown is below 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. Citizens Bank of Cumberland County, Inc. has $72.84 million in assets with $8.79 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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