Kentucky Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Kentucky Bank, headquartered in Paris, Kentucky, is a locally owned and publicly traded financial institution, with 14 branches located in ten Kentucky communities. Banks offices are located in Cynthiana, Georgetown, Lexington, Morehead, Nicholasville, Sandy Hook, Versailles, Wilmore, Winchester, and Paris.

Kentucky Bank has embraced the technology that saves you time and makes banking easier. For individuals and families, Kentucky Bank offers free online banking and free bill payment as a banking convenience as well as mobile banking with an app for iPhone & Android devices and newest addition, the iPad app. Additionally, Kentucky Bank offers business online banking for business customers who have the desire to use technology to assist in managing their financial needs.

Banks Commercial Lending group has both breadth and depth of experience to assist any size transaction. Commercial loans can be a fixed or variable rate with flexible repayment schedules. Kentucky Bank offers expertise to agricultural related businesses.

P.O. Box 157 Paris, KY 40362-0157
Phone 859-987-1795
Fax 859-987-5829