United Citizens Bank of Southern Kentucky

United Citizens Bank of Southern Kentucky is headquartered in Columbia and is the 100^th largest bank in the state of Kentucky. It is also the 4,028^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 44 employees at 4 locations. United Citizens Bank of Southern Kentucky's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics United Citizens Bank of Southern Kentucky FDIC Certificate # 57867 BankRate Report View Year Established 2004 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $141.23 million Loans $108.96 million Deposits $118.59 million Equity Capital $13.83 million Loan Loss Allowance $2.51 million Unbacked Noncurrent Loans $5.08 million Real Estate Owned $728,000 Historic Data - March 2011 Assets $136.22 million Equity Capital $12.82 million Loan Loss Allowance $2.33 million Unbacked Noncurrent Loans $1.32 million Real Estate Owned $957,000 Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.89% Return on Equity 9.02% Interest Income $1.82 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 United Citizens Bank of Southern Kentucky had $5.81 million in non-current loans and owned real-estate with $16.34 million in equity and loan loss allowances on hand to cover it. This gives United Citizens Bank of Southern Kentucky a Texas Ratio of 35.56% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Citizens Bank of Southern Kentucky increased slightly from 15.00% as of March 31, 2011 to 35.56% as of March 31, 2012, resulting in a negative change of 137.04%. This indicates that the balance sheet and financial strength for United Citizens Bank of Southern Kentucky has declined slightly in recent periods. Deposit Growth In the past year, United Citizens Bank of Southern Kentucky has increased its total deposits by $3.78 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 United Citizens Bank of Southern Kentucky 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. United Citizens Bank of Southern Kentucky has $141.23 million in assets with $16.34 million in equity, resulting in a capitalization level of 11.57%, which is above average.

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