Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Citizens Financial Bank, Inc. All Insured Commercial Banks in Kentucky
12-31-2004 12.92 15.804
09-30-2004 12.06 15.683
06-30-2004 11.62 15.556
03-31-2004 11.24 15.488
12-31-2003 10.9 15.207
09-30-2003 10.84 15.152
06-30-2003 11.57 15.146
03-31-2003 13.48 15.066
12-31-2002 17.3 15.007