Community Financial Svcs Bank

Community Financial Svcs Bank is headquartered in Benton and is the 22^nd largest bank in the state of Kentucky. It is also the 1,238^th largest bank in the nation. It was established in 1890 and as of September of 2011, it had grown to 157 employees at 6 locations. Community Financial Svcs Bank has a 5-star health rating.

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Data for Q3 2011

Institution Statistics Community Financial Services Bank FDIC Certificate # 287 BankRate Report View Year Established 1890 Employees 157 Primary Regulator FDIC Assets and Liabilities Assets $544.77 million Loans $409.60 million Deposits $454.41 million Equity Capital $53.81 million Loan Loss Allowance $7.13 million Unbacked Noncurrent Loans $3.00 million Real Estate Owned $669,000 Historic Data - September 2010 Assets $514.38 million Equity Capital $48.65 million Loan Loss Allowance $6.59 million Unbacked Noncurrent Loans $3.41 million Real Estate Owned $76,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 1.37% Return on Equity 14.61% Interest Income $20.09 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 September 30, 2011 Community Financial Svcs Bank had $3.67 million in non-current loans and owned real-estate with $60.94 million in equity and loan loss allowances on hand to cover it. This gives Community Financial Svcs Bank a Texas Ratio of 6.02% 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 Community Financial Svcs Bank held steady from 6.31% as of September 30, 2010 to 6.02% as of September 30, 2011, resulting in a positive change of 4.72%.This indicates that the balance sheet and financial strength for Community Financial Svcs Bank has held steady in recent periods. Deposit Growth In the past year, Community Financial Svcs Bank has increased its total deposits by $32.35 million, resulting in 7.66% 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 Community Financial Svcs Bank has shown is excellent. 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. Community Financial Svcs Bank has $544.77 million in assets with $60.94 million in equity, resulting in a capitalization level of 11.19%, which is above average.

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