The Cecilian Bank

104 East Main
Cecilia, KY 42724
270-862-3294
www.thececilianbank.com

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The Cecilian Bank is headquartered in Cecilia and is the 23^rd largest bank in the state of Kentucky. It is also the 1,245^th largest bank in the nation. It was established in 1903 and as of December of 2012, it had grown to 149 employees at 13 locations. The Cecilian Bank's savings rates are 2X the national average, and it has a 4-star health rating.

The Cecilian Bank Routing Number: 083904631

Great CD Rates (Forum) - 2/14/2012

The Cecilian Bank is offering 1.0% for 12 mos, 1.45% for 24 mos, 1.55% for 30 mos, 1.90% for 36 mos, 2.2% for 48 mos, and 2.30% for 60 mos. They also have a 5 star Bauer rating and I've had good service from them.

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Cecilian Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	$1k	-	Now Account
0.10%	$1k	-	Choice Plus Checking Account
0.10%	$100	-	Choice Gold Checking Account
0.10%	$100	-	Choice 50 Gold Checking Account

The Cecilian Bank Savings Account Rates

Apy	Min	Max	Product
1.21%	$10k	-	Health Savings Account
0.65%	$100k	-	TGIF Account
0.20%	$100	-	Savings Account

The Cecilian Bank Money Market Rates

Apy	Min	Max	Product
0.60%	$10k	-	Easy Money Investment Checking Account
0.50%	$10k	-	Business Partner Money Market Account
0.20%	$500	-	Money Market Fund Account

The Cecilian Bank CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	5 Year Fixed CD
1.25%	$1k	-	4 Year Fixed CD
1.05%	$1k	-	3 Year Fixed CD
0.85%	$1k	-	30 Month Fixed CD
0.80%	$500	-	2 Year Fixed CD
0.60%	$500	-	18 Month Fixed CD
0.50%	$1k	-	12 Month Fixed CD
0.35%	$1k	-	6 Month Fixed CD
0.20%	$1k	-	3 Month Fixed CD

The Cecilian Bank IRA Rates

Apy	Min	Max	Product
1.60%	$100	-	60 Month Fixed IRA
1.35%	$100	-	48 Month Fixed IRA
1.15%	$100	-	36 Month Fixed IRA
0.95%	$100	-	30 Month Fixed IRA
0.80%	$100	-	24 Month Fixed IRA
0.60%	$100	-	18 Month Fixed IRA
0.50%	$100	-	12 Month Fixed IRA
0.20%	$100	-	3 Month Fixed IRA

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

The Cecilian Bank
FDIC Certificate #	8774
BankRate Report	View
Year Established	1903
Employees	149
Primary Regulator	FDIC
Assets and Liabilities
Assets	$539.03 million
Loans	$312.86 million
Deposits	$435.03 million
Equity Capital	$51.77 million
Loan Loss Allowance	$6.45 million
Unbacked Noncurrent Loans	$6.62 million
Real Estate Owned	$186,000
Historic Data - December 2011
Assets	$481.20 million
Equity Capital	$48.34 million
Loan Loss Allowance	$4.48 million
Unbacked Noncurrent Loans	$2.05 million
Real Estate Owned	$324,000
Profit Margin - Quarterly
Net Interest Margin	3.78%
Return on Assets	0.87%
Return on Equity	8.87%
Interest Income	$24.27 million

Institution Health

Overall Score:

4 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 December 31, 2012 The Cecilian Bank had $6.81 million in non-current loans and owned real-estate with $58.21 million in equity and loan loss allowances on hand to cover it. This gives The Cecilian Bank a Texas Ratio of 11.70% which is above average. 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 increased slightly from 4.49% as of December 31, 2011 to 11.70% as of December 31, 2012, resulting in a negative change of 160.24%. This indicates that the balance sheet and financial strength for The Cecilian Bank has declined slightly in recent periods.
Deposit Growth
In the past year, The Cecilian Bank has increased its total deposits by $52.84 million, resulting in 13.82% 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 $539.03 million in assets with $58.21 million in equity, resulting in a capitalization level of 10.80%, which is above average.