Cumberland Security Bank, Inc.

Cumberland Security Bank, Inc. is headquartered in Somerset and is the 88^th largest bank in the state of Kentucky. It is also the 3,648^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 65 employees at 4 locations. Cumberland Security Bank, Inc. has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Cumberland Security Bank, Inc. FDIC Certificate # 11358 BankRate Report View Year Established 1909 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $162.92 million Loans $116.66 million Deposits $130.15 million Equity Capital $21.32 million Loan Loss Allowance $3.57 million Unbacked Noncurrent Loans $1.06 million Real Estate Owned $888,000 Historic Data - March 2011 Assets $157.69 million Equity Capital $19.77 million Loan Loss Allowance $4.02 million Unbacked Noncurrent Loans $1.05 million Real Estate Owned $700,000 Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets 2.15% Return on Equity 16.44% Interest Income $2.01 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 March 31, 2012 Cumberland Security Bank, Inc. had $1.95 million in non-current loans and owned real-estate with $24.89 million in equity and loan loss allowances on hand to cover it. This gives Cumberland Security Bank, Inc. a Texas Ratio of 7.84% 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 Cumberland Security Bank, Inc. held steady from 7.37% as of March 31, 2011 to 7.84% as of March 31, 2012, resulting in a negative change of 6.38%. This indicates that the balance sheet and financial strength for Cumberland Security Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, Cumberland Security Bank, Inc. has increased its total deposits by $4.16 million, resulting in 3.3% 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 Cumberland Security Bank, 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. Cumberland Security Bank, Inc. has $162.92 million in assets with $24.89 million in equity, resulting in a capitalization level of 15.28%, which is excellent.

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