Bank of Cadiz and Trust Company in Cadiz, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Cadiz and Trust Company - Overview

  • General
  • FDIC Certificate #: 20239
    Status: Active
    Federal Reserve ID: 904845
    Bank Holding Company (Regulatory Top Holder): Cadiz Bancorp, Inc. (RSSDID: 1249619, Location: Cadiz, KY)
    Date Established: August 07, 1970
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10994
    FDIC's unique #: 13920
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: August 07, 1970
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Scott Streets, Cadiz, KY 42211
    County: Trigg
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $104.6 mil
    Equity capital: $8.3 mil
    Deposits held in domestic offices: $84.6 mil
    Return on assets (ROA): 0.96% ($1.0 mil)
    Quarterly return on assets: 1.09% ($1.1 mil)
    Return on Equity (ROE): 13.47% ($1.1 mil)
    Quarterly return on equity: 14.04% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.94% ($983.1 mil)
    Quarterly Pretax return on assets: 1.09% ($1,140.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 35Total employees (full-time equivalent)
  • $104,590Total assets
  • $2,390Cash and due from depository institutions
  • $94Interest-bearing balances
  • $23,621Securities
  • $3,180Federal funds sold & reverse repurchase agreements
  • $69,087Net loans & leases
  • $759Loan loss allowance
  • $0Trading account assets
  • $2,327Bank premises and fixed assets
  • $12Other real estate owned
  • $0Goodwill and other intangibles
  • $104,590Life insurance assets
  • $3,973All other assets
  • $96,316Total liabilities and capital
  • $84,585Total liabilities
  • $75,413Total deposits
  • $84,585Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,000Trading liabilities
  • $0Other borrowed funds
  • $731Subordinated debt
  • $8,274All other liabilities
  • $8,274Total equity capital
  • $8,274Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $5,750Surplus
  • $2,274Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $143Income earned, not collected on loans
  • $0Earning assets
  • $479Long-term assets (5+ years)
  • $95,982Average Assets, year-to-date
  • $41,544Average Assets, quarterly
  • $104,680Volatile liabilities
  • $105,576Insider loans
  • $62,530FHLB advances
  • $106,164Loans and leases held for sale
  • $1,519Unused loan commitments
  • $477Tier 1 (core) risk-based capital
  • $7,613Tier 2 risk-based capital
  • $1,042Total risk weighted assets
  • $0Total unused commitments
  • $6,257Restructured Loans and leases
  • $2,915Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,465Total interest income
  • $1,059Total interest expense
  • $3,406Net interest income
  • $150Provision for loan and lease losses
  • $861Total noninterest income
  • $120Fiduciary activities
  • $436Service charges on deposit accounts
  • $0Trading account gains & fees
  • $305Additional noninterest income
  • $3,133Total noninterest expense
  • $1,621Salaries and employee benefits
  • $344Premises and equipment expense
  • $1,168Additional noninterest expense
  • $984Pre-tax net operating income
  • $0Securities gains (losses)
  • -$19Applicable income taxes
  • $1,003Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,003Net income attributable to bank
  • $0Net charge-offs
  • $1,003Cash dividends
  • $127Sale, conversion, retirement of capital stock, net
  • $87Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 13.47%Return on equity (ROE)
  • 12.30%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 118.11%Credit loss provision to net charge-offs
  • 8.93%Efficiency ratio
  • 73,424Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.67%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 530.77%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.20%Net loans and leases to deposits
  • 81.68%Net loans and leases to core deposits
  • 86.65%Equity capital to assets
  • 7.91%Core capital (leverage) ratio
  • 7.17%Tier 1 risk-based capital ratio
  • 12.17%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $104,680Average earning assets
  • $7,445Average equity
  • $95,979Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,228Managed Assets
  • 1Number of Accounts
  • $5,602Personal trust and agency accounts
  • $5,602Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 51Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,626Other retirement accounts
  • $3Corporate trust and agency accounts
  • $977Other fiduciary accounts
  • $1,646Fiduciary accounts held in foreign offices

List of branches

  • 5 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013920Bank Of Cadiz And Trust CompanyMain And Scott Streets, Cadiz, KY 42211August 07, 1970Full Service Brick and Mortar
    1250554Cadiz BranchHighway 139 And Brown Street, Cadiz, KY 42211November 01, 1988Limited Service Facility
    2360705Lakota Branch106 Lakota Drive, Cadiz, KY 42211January 10, 2001Full Service Brick and Mortar
    4440191Hopkinsville Branch2808 Fort Campbell Boulevard, Hopkinsville, KY 42240April 25, 2005Full Service Brick and Mortar
    5478916Murray Branch630 N 12th St, Murray, KY 42071June 30, 2008Full Service Brick and Mortar

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