Citizens National Bank (KY)

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1.40% APY

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Overview / Commentary

www.cnbsomerset.com

606-679-6341

44 Public Square
Somerset, KY 42501

Citizens National Bank (KY) is headquartered in Somerset and is the 39^th largest bank in the state of Kentucky. It is also the 1,809^th largest bank in the nation. It was established in 1919 and as of March of 2017, it had grown to 120 employees at 11 locations. Citizens National Bank (KY) has a B health rating.

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Health

B

Data as of Q1 2017

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Health Grade Components

Overall
FDIC Certificate #	2725
Year Established	1919
Employees	120
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.34%
Return on Equity - YTD	13.43%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$380.7MM$388.1MM
Loans	Q1 2017vs Q1 2016	$239.4MM$219.7MM
Deposits	Q1 2017vs Q1 2016	$315.1MM$318.5MM
Equity Capital	Q1 2017vs Q1 2016	$38.8MM$39.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$3.4MM$3.3MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$2.5MM$3.4MM
Real Estate Owned	Q1 2017vs Q1 2016	$4.4MM$5.0MM

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Citizens National Bank (KY) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$1k	-	24 Month CD
0.30%	$1k	-	18 Month CD
0.15%	$1k	-	6 Month CD

Citizens National Bank (KY) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$40	-	18 Month Variable IRA
0.25%	$2k	-	18 Month Fixed IRA

Locations

Citizens National Bank (KY) Locations
Science Hill Branch	110 West Highway 635	Science Hill, KY 42553
Monticello Branch	290 Cumberland Crossing	Monticello, KY 42633
Citizens 27 Branch	800 South Highway 27	Somerset, KY 42501
Waitsboro Branch	4145 South Highway 27	Somerset, KY 42501
The Citizens National Bank Of Somerset	44 Public Square	Somerset, KY 42501
Burnside Branch	6385 South Highway 27	Somerset, KY 42501
Nancy Branch	9140 West Highway 80	Nancy, KY 42544
Plaza Branch	293 North Highway 27	Somerset, KY 42503
Nicholasville Branch	601 Keene Centre Drive	Nicholasville, KY 40356
Russell County Branch	1504 Lakeway Drive, Suite A	Russell Springs, KY 42642