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Overview / Commentary
270-862-3294
104 East Main
Cecilia, KY 42724

The Cecilian Bank is headquartered in Cecilia and is the 19st largest bank in the state of Kentucky. It is also the 1,170th largest bank in the nation. It was established in 1903 and as of December of 2013, it had grown to 155 employees at 13 locations. The Cecilian Bank's savings rates are 92% higher than the national average, and it has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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, 2013 The Cecilian Bank had $6.23 million in non-current loans and owned real-estate with $56.56 million in equity and loan loss allowances on hand to cover it. This gives The Cecilian Bank a Texas Ratio of 11.01% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The Cecilian Bank experienced no significant changes from 11.70% as of December 31, 2012 to 11.01% as of December 31, 2013, resulting in a positive change of 5.84%.This indicates that the balance sheet and financial strength for The Cecilian Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The Cecilian Bank has increased its total deposits by $24.58 million, resulting in 5.65% 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

GRADE:
B+

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 $565.38 million in assets with $56.56 million in equity, resulting in a capitalization level of 10.00%, which is above average.

Institution Statistics

Overall
FDIC Certificate #8774
Year Established1903
Employees155
Primary RegulatorFDIC
Assets and Liabilities
Assets$565.38 million
Loans$324.29 million
Deposits$459.61 million
Equity Capital$49.70 million
Loan Loss Allowance$6.86 million
Unbacked Noncurrent Loans$5.62 million
Real Estate Owned$614,000
Historic Data - December 2012
Assets$539.03 million
Equity Capital$51.77 million
Loan Loss Allowance$6.45 million
Unbacked Noncurrent Loans$5.62 million
Real Estate Owned$186,000
Profit Margin - Quarterly
Net Interest Margin3.72%
Return on Assets1%
Return on Equity10.86%
Interest Income$24.24 million
Rates

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The Cecilian Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%$10k-Health Savings Account
0.40%$100k-TGIF Account
0.10%$100-Savings Account

The Cecilian Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$10k-Easy Money Investment Checking Account
0.35%$10k-Business Partner Money Market Account
0.10%$500-Money Market Fund Account

The Cecilian Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
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 CD Rates

DetailsAPYMINMAXPRODUCT
1.25%$1k-5 Year Fixed CD
1.10%$1k-4 Year Fixed CD
0.90%$1k-3 Year Fixed CD
0.70%$1k-30 Month Fixed CD
0.65%$500-2 Year Fixed CD
0.45%$500-18 Month Fixed CD
0.40%$1k-12 Month Fixed CD
0.25%$1k-6 Month Fixed CD
0.10%$1k-3 Month Fixed CD

The Cecilian Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$100-60 Month Fixed IRA
1.15%$100-48 Month Fixed IRA
0.95%$100-36 Month Fixed IRA
0.75%$100-30 Month Fixed IRA
0.70%$100-24 Month Fixed IRA
0.50%$100-18 Month Fixed IRA
0.40%$100-12 Month Fixed IRA
0.10%$100-3 Month Fixed IRA
Locations

The Cecilian Bank has 12 locations. Click to view all The Cecilian Bank locations.