PFBI: Profile for Premier Financial Bancorp, Inc.

Premier Financial Bancorp, Inc., a multi-bank holding company, provides community banking services to individuals and small-to-medium sized businesses primarily in Kentucky, Ohio, and West Virginia. Its deposit product line includes checking accounts, NOW accounts, savings accounts, money market accounts, club accounts, individual retirement accounts, certificates of deposit, and overdraft protection. The companys loan product portfolio comprises loans for purchasing personal residences or loans for commercial or consumer purposes secured by residential mortgages; real estate construction loans; automobile and personal loans, including unsecured lines of credit; and commercial loans secured by business assets, such as real estate, equipment, inventory, and accounts receivable. It also offers various retail and commercial banking services consisting of depository and funds transfer services; collections; safe deposit boxes; cash management services; and bill payment and telephone banking services. As of March 15, 2009, Premier Financial Bancorp, Inc. operated 9 banking offices in Kentucky, 3 in Ohio, and 13 in West Virginia. The company was founded in 1991 and is headquartered in Huntington, West Virginia.

Key Statistics

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CORPORATE GOVERNANCE

Premier Financial Bancorp Inc.'s Corporate Governance Quotient (CGQ®) as of 1-Dec-09 is better than 64.5% of CGQ Universe companies and 49.6% of Banks companies.

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KEY EXECUTIVES

	Pay	Exercised
Mr. Robert W. Walker , 62 Chief Exec. Officer, Pres	N/A	N/A
Mr. Brien M. Chase , 44 Chief Financial Officer, Principal Accounting Officer and Sr. VP	$ 118.00K	N/A
Mr. Dennis J. Klingensmith , 55 Sr. VP and Chief Exec. Officer of First Central Bank	N/A	N/A
Mr. E. V. Holder Jr., 76 Sec., Director and Member of Nominating Committee	$ 10.00K	N/A
Ms. Katrina Whitt , 34 VP of HR	N/A	N/A

Dollar amounts are as of 31-Dec-08 and compensation values are for the last fiscal year ending on that date. "Pay" is salary, bonuses, etc. "Exercised" is the value of options exercised during the fiscal year.

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