Cumberland Valley National Bank & Trust Company

Cumberland Valley National Bank & Trust Company is headquartered in East Bernstadt and is the 30^th largest bank in the state of Kentucky. It is also the 1,628^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 149 employees at 14 locations. Cumberland Valley National Bank & Trust Company has a 3-star health rating.

Cumberland Valley National Bank & Trust Company Savings Account Rates

Data for Q1 2012

Institution Statistics Cumberland Valley National Bank & Trust Company FDIC Certificate # 2691 BankRate Report View Year Established 1904 Employees 149 Primary Regulator OCC Assets and Liabilities Assets $408.82 million Loans $234.42 million Deposits $335.83 million Equity Capital $47.27 million Loan Loss Allowance $3.36 million Unbacked Noncurrent Loans $3.49 million Real Estate Owned $7.06 million Historic Data - March 2011 Assets $415.89 million Equity Capital $46.28 million Loan Loss Allowance $3.47 million Unbacked Noncurrent Loans $4.91 million Real Estate Owned $4.67 million Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.49% Return on Equity 4.21% Interest Income $4.00 million

Institution Health Overall Score: 3 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 Valley National Bank & Trust Company had $10.55 million in non-current loans and owned real-estate with $50.63 million in equity and loan loss allowances on hand to cover it. This gives Cumberland Valley National Bank & Trust Company a Texas Ratio of 20.83% 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 Cumberland Valley National Bank & Trust Company held steady from 19.27% as of March 31, 2011 to 20.83% as of March 31, 2012, resulting in a negative change of 8.15%. This indicates that the balance sheet and financial strength for Cumberland Valley National Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Cumberland Valley National Bank & Trust Company has decreased its total deposits by -$9.24 million, resulting in -2.68% 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 Valley National Bank & Trust Company 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. Cumberland Valley National Bank & Trust Company has $408.82 million in assets with $50.63 million in equity, resulting in a capitalization level of 12.39%, which is excellent.