United Citizens Bank of Southern Kentucky

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LOCATIONS

60 Month Fixed IRA (Traditional, Roth, CESA)

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.15%	5-year CD	60 Month CD 1.55% - National Average
0.40%	1-year CD	12 Month CD 0.62% - National Average
0.35%	Savings	Statement Savings 1.30% - Synchrony Bank High Yield Savings

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Overview / Commentary

www.ucbsky.com

700 Jamestown Street
Columbia, KY 42728

United Citizens Bank of Southern Kentucky is headquartered in Columbia and is the 92^nd largest bank in the state of Kentucky. It is also the 3,600^th largest bank in the nation. It was established in 2004 and as of June of 2017, it had grown to 43 employees at 4 locations. United Citizens Bank of Southern Kentucky has an A health rating.

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Health

A

Data as of Q2 2017

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Health Grade Components

Overall
FDIC Certificate #	57867
Year Established	2004
Employees	43
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	9.68%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$145.1MM$139.8MM
Loans	Q2 2017vs Q2 2016	$117.7MM$107.8MM
Deposits	Q2 2017vs Q2 2016	$122.0MM$122.4MM
Equity Capital	Q2 2017vs Q2 2016	$17.4MM$16.8MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$1.7MM$1.7MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$760.00K$3.5MM
Real Estate Owned	Q2 2017vs Q2 2016	$756.00K$207.00K

Rates

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

United Citizens Bank of Southern Kentucky Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	-	-	Statement Savings

United Citizens Bank of Southern Kentucky Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$100k^*	-	Elite Money Maket Account
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k \| 0.30% → $50k - $100k
0.35%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.10% → $1k - $2,500 \| 0.15% → $2,500 - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $75k \| 0.30% → $75k - $100k

United Citizens Bank of Southern Kentucky Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$1k	-	Member Account
0.10%	$1k	-	Member Classic Account
0.10%^*	$2,500^*	-	NOW Account
OTHER TIERS: 0.05% → $1k - $2,500

United Citizens Bank of Southern Kentucky CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%	$500	-	60 Month CD
1.10%	$500	-	48 Month CD
1.00%	$500	-	36 Month CD
0.75%	$500	-	30 Month CD
0.50%	$500	-	24 Month CD
0.45%	$500	-	18 Month CD
0.40%	$500	-	12 Month CD
0.25%	$500	-	6 Month CD
0.20%	$500	-	3 Month CD

United Citizens Bank of Southern Kentucky IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%	$100	-	60 Month Fixed IRA
1.11%	$100	-	48 Month Fixed IRA
1.01%	$100	-	36 Month Fixed IRA
0.75%	$100	-	30 Month Fixed IRA
0.50%	$100	-	24 Month Fixed IRA
0.50%	$100	-	18 Month Variable IRA
0.45%	$100	-	18 Month Fixed IRA
0.40%	$100	-	12 Month Fixed IRA
0.25%	$100	-	6 Month Fixed IRA
0.20%	$100	-	3 Month Fixed IRA

Locations

United Citizens Bank of Southern Kentucky Locations
Columbia Branch	1582 Campbellsville Road	Columbia, KY 42728
Russell Springs Branch	2261 South Highway 127	Russell Springs, KY 42642
Campbellsville By-Pass Branch	294 Campbellsville Bypass	Campbellsville, KY 42718
United Citizens Bank Of Southern Kentucky	700 Jamestown Street	Columbia, KY 42728