401k Plan data: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN plan

CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 401k Plan overview

Plan Name	CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN
Plan identification number	002

CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

CITIZENS BANK OF KENTUCKY has sponsored the creation of one or more 401k plans.

Company Name: CITIZENS BANK OF KENTUCKY

Employer identification number (EIN): 610335030

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2015-01-01 MICHAEL C CAUDILL
002 2014-01-01 MICHAEL C CAUDILL
002 2013-01-01 MICHAEL C CAUDILL
002 2012-01-01 KATHY KEATON
002 2011-01-01 KATHY KINNER
002 2010-01-01 KATHY KINNER
002 2009-01-01 KATHY KINNER

Plan id#	Filing Submission Date	Name of Administrator
002	2015-01-01	MICHAEL C CAUDILL
002	2014-01-01	MICHAEL C CAUDILL
002	2013-01-01	MICHAEL C CAUDILL
002	2012-01-01	KATHY KEATON
002	2011-01-01	KATHY KINNER
002	2010-01-01	KATHY KINNER
002	2009-01-01	KATHY KINNER

Plan Statistics for CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN

401k plan membership statisitcs for CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN

Measure Date Value
2015: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 193
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 134
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 68
Total of all active and inactive participants 2015-01-01 202
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 202
Number of participants with account balances 2015-01-01 199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 177
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 136
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 56
Total of all active and inactive participants 2014-01-01 192
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 192
Number of participants with account balances 2014-01-01 173
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 5
2013: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 191
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 137
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 37
Total of all active and inactive participants 2013-01-01 174
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 174
Number of participants with account balances 2013-01-01 150
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 0
2012: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 142
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 146
Number of retired or separated participants receiving benefits 2012-01-01 12
Number of other retired or separated participants entitled to future benefits 2012-01-01 29
Total of all active and inactive participants 2012-01-01 187
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 187
Number of participants with account balances 2012-01-01 153
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 4
2011: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 184
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 147
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 33
Total of all active and inactive participants 2011-01-01 180
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 180
Number of participants with account balances 2011-01-01 142
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 2
2010: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 191
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 143
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 35
Total of all active and inactive participants 2010-01-01 178
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 178
Number of participants with account balances 2010-01-01 143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 7
2009: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 160
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 136
Number of other retired or separated participants entitled to future benefits 2009-01-01 21
Total of all active and inactive participants 2009-01-01 157
Total participants 2009-01-01 157
Number of participants with account balances 2009-01-01 139
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 5

Measure	Date	Value
2015: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	193
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	134
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	68
Total of all active and inactive participants	2015-01-01	202
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	202
Number of participants with account balances	2015-01-01	199
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	177
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	136
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	56
Total of all active and inactive participants	2014-01-01	192
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	192
Number of participants with account balances	2014-01-01	173
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	5
2013: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	191
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	137
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	37
Total of all active and inactive participants	2013-01-01	174
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	174
Number of participants with account balances	2013-01-01	150
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	0
2012: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	142
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	146
Number of retired or separated participants receiving benefits	2012-01-01	12
Number of other retired or separated participants entitled to future benefits	2012-01-01	29
Total of all active and inactive participants	2012-01-01	187
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	187
Number of participants with account balances	2012-01-01	153
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	4
2011: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	184
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	147
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	33
Total of all active and inactive participants	2011-01-01	180
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	180
Number of participants with account balances	2011-01-01	142
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	2
2010: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	191
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	143
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	35
Total of all active and inactive participants	2010-01-01	178
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	178
Number of participants with account balances	2010-01-01	143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	7
2009: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	160
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	136
Number of other retired or separated participants entitled to future benefits	2009-01-01	21
Total of all active and inactive participants	2009-01-01	157
Total participants	2009-01-01	157
Number of participants with account balances	2009-01-01	139
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	5

Financial Data on CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN

Measure	Date	Value
2015 : CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2015 401k financial data
Total transfer of assets to this plan	2015-12-31	$863,386
Total income from all sources (including contributions)	2015-12-31	$463,964
Total of all expenses incurred	2015-12-31	$369,981
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$366,897
Expenses. Certain deemed distributions of participant loans	2015-12-31	$1,284
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$492,027
Value of total assets at end of year	2015-12-31	$7,864,131
Value of total assets at beginning of year	2015-12-31	$6,906,762
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$1,800
Total interest from all sources	2015-12-31	$13,635
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Administrative expenses professional fees incurred	2015-12-31	$1,800
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$3,500,000
If this is an individual account plan, was there a blackout period	2015-12-31	Yes
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$313,682
Participant contributions at end of year	2015-12-31	$288,812
Participant contributions at beginning of year	2015-12-31	$188,267
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$593
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$93,983
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$7,864,131
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$6,906,762
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in pooled separate accounts at end of year	2015-12-31	$5,191,631
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$4,379,976
Interest on participant loans	2015-12-31	$13,635
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2015-12-31	$1,169
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2015-12-31	$865
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2015-12-31	$865
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$2,360,551
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$2,318,247
Net investment gain/loss from pooled separate accounts	2015-12-31	$-41,698
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$177,752
Employer contributions (assets) at end of year	2015-12-31	$21,968
Employer contributions (assets) at beginning of year	2015-12-31	$19,407
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$366,897
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2015-12-31	Yes
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	CROWE HORWATH, LLP
Accountancy firm EIN	2015-12-31	350921680
2014 : CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2014 401k financial data
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$1,319
Total income from all sources (including contributions)	2014-12-31	$1,155,465
Total of all expenses incurred	2014-12-31	$1,034,010
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$1,029,252
Expenses. Certain deemed distributions of participant loans	2014-12-31	$2,983
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$517,811
Value of total assets at end of year	2014-12-31	$6,906,762
Value of total assets at beginning of year	2014-12-31	$6,786,626
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$1,775
Total interest from all sources	2014-12-31	$8,484
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Administrative expenses professional fees incurred	2014-12-31	$1,775
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$3,500,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$298,838
Participant contributions at end of year	2014-12-31	$188,267
Participant contributions at beginning of year	2014-12-31	$200,371
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$35,578
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$121,455
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$6,906,762
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$6,785,307
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in pooled separate accounts at end of year	2014-12-31	$4,379,976
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$3,910,368
Interest on participant loans	2014-12-31	$8,484
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2014-12-31	$865
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2014-12-31	$33
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2014-12-31	$33
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$2,318,247
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$2,549,837
Net investment gain/loss from pooled separate accounts	2014-12-31	$629,170
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Assets. Invements in employer securities at beginning of year	2014-12-31	$41,259
Contributions received in cash from employer	2014-12-31	$183,395
Employer contributions (assets) at end of year	2014-12-31	$19,407
Employer contributions (assets) at beginning of year	2014-12-31	$84,758
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$1,029,252
Liabilities. Value of benefit claims payable at beginning of year	2014-12-31	$1,319
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	CROWE HORWATH, LLP
Accountancy firm EIN	2014-12-31	350921680
2013 : CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2013 401k financial data
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$1,319
Total income from all sources (including contributions)	2013-12-31	$1,194,220
Total of all expenses incurred	2013-12-31	$801,118
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$729,660
Expenses. Certain deemed distributions of participant loans	2013-12-31	$71,233
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$561,271
Value of total assets at end of year	2013-12-31	$6,786,626
Value of total assets at beginning of year	2013-12-31	$6,392,205
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$225
Total interest from all sources	2013-12-31	$12,479
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Administrative expenses professional fees incurred	2013-12-31	$225
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$3,500,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$332,672
Participant contributions at end of year	2013-12-31	$200,371
Participant contributions at beginning of year	2013-12-31	$228,480
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$393,102
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$6,785,307
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$6,392,205
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in pooled separate accounts at end of year	2013-12-31	$3,910,368
Value of interest in pooled separate accounts at beginning of year	2013-12-31	$3,416,193
Interest on participant loans	2013-12-31	$12,479
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$33
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$4,291
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$4,291
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$2,549,837
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$2,702,270
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$288
Net investment gain/loss from pooled separate accounts	2013-12-31	$620,182
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$41,259
Assets. Invements in employer securities at beginning of year	2013-12-31	$40,971
Contributions received in cash from employer	2013-12-31	$228,599
Employer contributions (assets) at end of year	2013-12-31	$84,758
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$729,660
Liabilities. Value of benefit claims payable at end of year	2013-12-31	$1,319
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	CROWE HORWATH, LLP
Accountancy firm EIN	2013-12-31	350921680
2012 : CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$9,702
Total unrealized appreciation/depreciation of assets	2012-12-31	$9,702
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$1,092,114
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$479,757
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$476,920
Expenses. Certain deemed distributions of participant loans	2012-12-31	$1,787
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$515,055
Value of total assets at end of year	2012-12-31	$6,392,205
Value of total assets at beginning of year	2012-12-31	$5,779,848
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$1,050
Total interest from all sources	2012-12-31	$11,629
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Administrative expenses professional fees incurred	2012-12-31	$1,050
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$3,500,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$325,196
Participant contributions at end of year	2012-12-31	$228,480
Participant contributions at beginning of year	2012-12-31	$195,621
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$37,253
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$612,357
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$6,392,205
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$5,779,848
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in pooled separate accounts at end of year	2012-12-31	$3,416,193
Value of interest in pooled separate accounts at beginning of year	2012-12-31	$3,440,714
Interest on participant loans	2012-12-31	$11,628
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$4,291
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$5,487
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$5,487
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2012-12-31	$1
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$2,702,270
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$2,056,412
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$73,319
Net investment gain/loss from pooled separate accounts	2012-12-31	$482,409
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$40,971
Assets. Invements in employer securities at beginning of year	2012-12-31	$81,614
Contributions received in cash from employer	2012-12-31	$152,606
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$476,920
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2012-12-31	No
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	CROWE HORWATH, LLP
Accountancy firm EIN	2012-12-31	350921680
2011 : CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-10,321
Total unrealized appreciation/depreciation of assets	2011-12-31	$-10,321
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$965
Total income from all sources (including contributions)	2011-12-31	$512,094
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$206,790
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$202,891
Expenses. Certain deemed distributions of participant loans	2011-12-31	$2,139
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$446,626
Value of total assets at end of year	2011-12-31	$5,779,848
Value of total assets at beginning of year	2011-12-31	$5,475,509
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$1,760
Total interest from all sources	2011-12-31	$10,809
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Administrative expenses professional fees incurred	2011-12-31	$1,760
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$3,500,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$298,721
Participant contributions at end of year	2011-12-31	$195,621
Participant contributions at beginning of year	2011-12-31	$152,841
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$9,761
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2011-12-31	$965
Other income not declared elsewhere	2011-12-31	$79
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$305,304
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$5,779,848
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$5,474,544
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in pooled separate accounts at end of year	2011-12-31	$3,440,714
Value of interest in pooled separate accounts at beginning of year	2011-12-31	$3,467,717
Interest on participant loans	2011-12-31	$10,808
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$5,487
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$2,655
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$2,655
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2011-12-31	$1
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$2,056,412
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$1,738,539
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-66,155
Net investment gain/loss from pooled separate accounts	2011-12-31	$131,056
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$81,614
Assets. Invements in employer securities at beginning of year	2011-12-31	$87,936
Contributions received in cash from employer	2011-12-31	$138,144
Employer contributions (assets) at beginning of year	2011-12-31	$25,821
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$202,891
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2011-12-31	No
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	CROWE HORWATH, LLP
Accountancy firm EIN	2011-12-31	350921680
2010 : CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$-6,816
Total unrealized appreciation/depreciation of assets	2010-12-31	$-6,816
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$965
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$-47
Total income from all sources (including contributions)	2010-12-31	$906,474
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$677,757
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$677,757
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$445,392
Value of total assets at end of year	2010-12-31	$5,475,509
Value of total assets at beginning of year	2010-12-31	$5,245,780
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$0
Total interest from all sources	2010-12-31	$8,397
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$3,500,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$281,176
Participant contributions at end of year	2010-12-31	$152,841
Participant contributions at beginning of year	2010-12-31	$123,387
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at end of year	2010-12-31	$965
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2010-12-31	$-47
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$228,717
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$5,474,544
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$5,245,827
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in pooled separate accounts at end of year	2010-12-31	$3,467,717
Value of interest in pooled separate accounts at beginning of year	2010-12-31	$3,360,465
Interest on participant loans	2010-12-31	$8,397
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$2,655
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$1,479
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$1,479
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$1,738,539
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$1,642,134
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$406,281
Net investment gain/loss from pooled separate accounts	2010-12-31	$53,220
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$87,936
Assets. Invements in employer securities at beginning of year	2010-12-31	$94,752
Contributions received in cash from employer	2010-12-31	$164,216
Employer contributions (assets) at end of year	2010-12-31	$25,821
Employer contributions (assets) at beginning of year	2010-12-31	$23,563
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$677,757
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2010-12-31	No
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	CROWE HORWATH LLP
Accountancy firm EIN	2010-12-31	310921680

Form 5500 Responses for CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN

2015: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Insurance	Yes
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement – Insurance	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: CITIZENS NATIONAL BANK OF PAINTSVILLE PROFIT SHARING 401K SAVINGS RETIREMENT PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

811081

Policy instance

Insurance contract or identification number	811081
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of fees paid to insurance company	USD $3,577
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	3577
Insurance broker organization code?	5
Insurance broker name	RETIREMENT MANAGEMENT SERVICES LLC

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

811081

Policy instance

Insurance contract or identification number	811081
Number of Individuals Covered	173
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of fees paid to insurance company	USD $2,316
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Amount paid for insurance broker fees	2316
Insurance broker organization code?	5
Insurance broker name	RETIREMENT MANAGEMENT SERVICES LLC

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

PHU879

Policy instance

Insurance contract or identification number	PHU879
Number of Individuals Covered	170
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Total amount of commissions paid to insurance broker	USD $18,938
Total amount of fees paid to insurance company	USD $3,115
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $3,066
Insurance broker organization code?	3
Amount paid for insurance broker fees	750
Insurance broker name	RETIREMENT MANAGEMENT SERVICES LLC

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

PHU879

Policy instance

Insurance contract or identification number	PHU879
Insurance policy start date	2012-01-01
Insurance policy end date	2012-12-31
Total amount of commissions paid to insurance broker	USD $16,096
Total amount of fees paid to insurance company	USD $2,650
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Commission paid to Insurance Broker	USD $16,096
Insurance broker organization code?	3
Amount paid for insurance broker fees	2650
Additional information about fees paid to insurance broker	TPA PARTNERSHIP PROGRAM
Insurance broker name	MCGREGOR & ASSOCIATES INC

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

PHU879

Policy instance

Insurance contract or identification number	PHU879
Insurance policy start date	2011-01-01
Insurance policy end date	2011-12-31
Total amount of commissions paid to insurance broker	USD $16,096
Total amount of fees paid to insurance company	USD $2,650
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

PHU879

Policy instance

Insurance contract or identification number	PHU879
Number of Individuals Covered	143
Insurance policy start date	2010-01-01
Insurance policy end date	2010-12-31
Total amount of commissions paid to insurance broker	USD $14,705
Total amount of fees paid to insurance company	USD $2,438
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No

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Company Name:	CITIZENS BANK OF KENTUCKY
Employer identification number (EIN):	610335030
NAIC Classification:	522110
NAIC Description:	Commercial Banking