Citizens Commerce National Bank

Citizens Commerce National Bank is headquartered in Versailles and is the 58^th largest bank in the state of Kentucky. It is also the 2,726^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 68 employees at 4 locations. Citizens Commerce National Bank has a 1-star health rating.

Citizens Commerce National Bank Routing Number: 042102597

Citizens Commerce National Bank Checking Account Rates

Citizens Commerce National Bank Savings Account Rates

Citizens Commerce National Bank Money Market Rates

Data for Q1 2012

Institution Statistics Citizens Commerce National Bank FDIC Certificate # 34256 BankRate Report View Year Established 1996 Employees 68 Primary Regulator OCC Assets and Liabilities Assets $235.10 million Loans $115.39 million Deposits $190.49 million Equity Capital $8.09 million Loan Loss Allowance $5.39 million Unbacked Noncurrent Loans $17.96 million Real Estate Owned $5.51 million Historic Data - March 2011 Assets $275.03 million Equity Capital $5.87 million Loan Loss Allowance $8.73 million Unbacked Noncurrent Loans $35.38 million Real Estate Owned $9.60 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.21% Return on Equity 5.92% Interest Income $2.58 million

Institution Health Overall Score: 1 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 Commerce National Bank had $23.46 million in non-current loans and owned real-estate with $13.48 million in equity and loan loss allowances on hand to cover it. This gives Citizens Commerce National Bank a Texas Ratio of 174.02% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Citizens Commerce National Bank decreased significantly from 308.43% as of March 31, 2011 to 174.02% as of March 31, 2012, resulting in a positive change of 43.58%.This indicates that the balance sheet and financial strength for Citizens Commerce National Bank has improved significantly in recent periods. Deposit Growth In the past year, Citizens Commerce National Bank has decreased its total deposits by -$41.53 million, resulting in -17.9% 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 Commerce National Bank has shown is poor. 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 Commerce National Bank has $235.1 million in assets with $13.48 million in equity, resulting in a capitalization level of 5.73%, which is below average.

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