The Cecilian Bank

The Cecilian Bank is headquartered in Cecilia and is the 24^th largest bank in the state of Kentucky. It is also the 1,328^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 141 employees at 13 locations. The Cecilian Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

The Cecilian Bank Routing Number: 083904631

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Data for Q1 2012

Institution Statistics The Cecilian Bank FDIC Certificate # 8774 BankRate Report View Year Established 1903 Employees 141 Primary Regulator FDIC Assets and Liabilities Assets $510.51 million Loans $301.93 million Deposits $410.23 million Equity Capital $49.63 million Loan Loss Allowance $4.70 million Unbacked Noncurrent Loans $2.17 million Real Estate Owned $183,000 Historic Data - March 2011 Assets $477.88 million Equity Capital $43.22 million Loan Loss Allowance $3.83 million Unbacked Noncurrent Loans $3.27 million Real Estate Owned $296,000 Profit Margin - Quarterly Net Interest Margin 3.74% Return on Assets 0.9% Return on Equity 9.12% Interest Income $5.86 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 The Cecilian Bank had $2.35 million in non-current loans and owned real-estate with $54.33 million in equity and loan loss allowances on hand to cover it. This gives The Cecilian Bank a Texas Ratio of 4.33% 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 The Cecilian Bank decreased significantly from 7.58% as of March 31, 2011 to 4.33% as of March 31, 2012, resulting in a positive change of 42.93%.This indicates that the balance sheet and financial strength for The Cecilian Bank has improved significantly in recent periods. Deposit Growth In the past year, The Cecilian Bank has increased its total deposits by $28.76 million, resulting in 7.54% 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 The Cecilian 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. The Cecilian Bank has $510.51 million in assets with $54.33 million in equity, resulting in a capitalization level of 10.64%, which is above average.

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