Citizens Bank of Northern Kentucky, Inc.

Citizens Bank of Northern Kentucky, Inc. is headquartered in Newport and is the 52^nd largest bank in the state of Kentucky. It is also the 2,514^st largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 70 employees at 8 locations. Citizens Bank of Northern Kentucky, Inc. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Citizens Bank of Northern Kentucky, Inc. FDIC Certificate # 33846 BankRate Report View Year Established 1993 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $257.31 million Loans $166.90 million Deposits $205.93 million Equity Capital $23.31 million Loan Loss Allowance $2.91 million Unbacked Noncurrent Loans $5.41 million Real Estate Owned $1.04 million Historic Data - March 2011 Assets $250.77 million Equity Capital $21.86 million Loan Loss Allowance $3.18 million Unbacked Noncurrent Loans $5.04 million Real Estate Owned $1.65 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.39% Return on Equity 4.34% Interest Income $2.68 million

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 Northern Kentucky, Inc. had $6.44 million in non-current loans and owned real-estate with $26.23 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Northern Kentucky, Inc. a Texas Ratio of 24.56% 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 Citizens Bank of Northern Kentucky, Inc. held steady from 26.75% as of March 31, 2011 to 24.56% as of March 31, 2012, resulting in a positive change of 8.19%.This indicates that the balance sheet and financial strength for Citizens Bank of Northern Kentucky, Inc. has held steady in recent periods. Deposit Growth In the past year, Citizens Bank of Northern Kentucky, Inc. has increased its total deposits by $4.78 million, resulting in 2.37% 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 Northern Kentucky, Inc. 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. Citizens Bank of Northern Kentucky, Inc. has $257.31 million in assets with $26.23 million in equity, resulting in a capitalization level of 10.19%, which is above average.

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