Bank of Cadiz and Trust Company

Overview / Commentary

www.bankofcadiz.com

270-522-6066

Main And Scott Streets
Cadiz, KY 42211

Bank of Cadiz and Trust Company is headquartered in Cadiz and is the 114^th largest bank in the state of Kentucky. It is also the 3,964^th largest bank in the nation. It was established in 1970 and as of March of 2019, it had grown to 33 employees at 5 locations. Bank of Cadiz and Trust Company's CD rates are 96% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	20239
Year Established	1970
Employees	33
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	10.99%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$108.1MM$112.9MM
Loans	Q1 2019vs Q1 2018	$63.4MM$61.0MM
Deposits	Q1 2019vs Q1 2018	$97.6MM$98.4MM
Equity Capital	Q1 2019vs Q1 2018	$10.0MM$8.9MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$662.00K$618.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$841.00K$187.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$103.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of Cadiz and Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Christmas Club Accounts
0.05%	$100	-	Passbook Savings Accounts

Bank of Cadiz and Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$250k^*	-	Money Management Accounts
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k \| 0.20% → $100k - $250k

Bank of Cadiz and Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Super Now Account
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k
0.20%^*	$100k^*	-	Advantage Club for 50+
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k
0.20%^*	$100k^*	-	50+ Interest Checking
OTHER TIERS: 0.05% → $1k - $50k \| 0.10% → $50k - $100k
0.10%	$5k	-	Small Business Checking

Bank of Cadiz and Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	$500	-	60 Months CD
2.52%	$500	-	48 Months CD
2.26%	$500	-	36 Months CD
2.16%	$500	-	24 Months CD
1.86%	$500	-	18 Months CD
1.86%	$2.5k	-	9 Months CD
1.81%	$500	-	14 Months CD
1.76%	$500	-	12 Months CD
1.76%	$2.5k	-	7 Months CD
1.51%	$2.5k	-	6 Months CD
1.00%	$2.5k	-	3 Months CD

Bank of Cadiz and Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	$100	-	60 Month IRA
2.52%	$100	-	48 Month IRA
2.26%	$100	-	36 Month IRA
2.16%	$100	-	24 Month IRA
1.86%	$100	-	9 Month IRA
1.86%	$100	-	18 Month IRA
1.86%	$100	-	18 Month Variable Rate IRA
1.81%	$100	-	14 Month IRA
1.76%	$100	-	7 Month IRA
1.76%	$100	-	12 Month IRA
1.51%	$100	-	6 Month IRA
1.00%	$100	-	3 Month IRA

Locations

Bank of Cadiz and Trust Company Locations
Lakota Branch	106 Lakota Drive	Cadiz, KY 42211
Hopkinsville Branch	2808 Fort Campbell Boulevard	Hopkinsville, KY 42240
Murray Branch	630 N 12th St	Murray, KY 42071
Bank Of Cadiz and Trust Company	Main and Scott Streets	Cadiz, KY 42211
Cadiz Branch	Highway 139 and Brown Street	Cadiz, KY 42211

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