FDIC Certificate #: 13162 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens Deposit Bank & Trust (#12165) Federal Reserve ID: 609618 Date Established: January 01, 1900 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 14004 FDIC's unique #: 8325 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: January 03, 2005 Last Structure Change Process Date: Febuary 07, 2005 Last Data Update: Febuary 07, 2005 Data Source Date: April 05, 2012
Location
Address: Main Street, Germantown, KY 41044 County: Bracken Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Lexington Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
Financial Summary
Total assets: $23.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
8Total employees (full-time equivalent)
$22,951Total assets
$644Cash and due from depository institutions
$2Interest-bearing balances
$4,883Securities
$889Federal funds sold & reverse repurchase agreements
$15,490Net loans & leases
$419Loan loss allowance
$0Trading account assets
$592Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$453All other assets
$22,951Total liabilities and capital
$20,745Total liabilities
$20,572Total deposits
$18,202Interest-bearing deposits
$20,572Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$173All other liabilities
$2,206Total equity capital
$2,206Total bank equity capital
$2,206Perpetual preferred stock
$0Common stock
$35Surplus
$2,128Undivided profits
Memoranda
$43Noncurrent loans and leases
$206Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$34Earning assets
$0Long-term assets (5+ years)
$167Average Assets, year-to-date
$21,264Average Assets, quarterly
$4,055Volatile liabilities
$23,425Insider loans
$23,037FHLB advances
$1,529Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$206Total unused commitments
$0Restructured Loans and leases
$197Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$1,391Total interest income
$349Total interest expense
$1,042Net interest income
$100Provision for loan and lease losses
$182Total noninterest income
$0Fiduciary activities
$149Service charges on deposit accounts
$0Trading account gains & fees
$33Additional noninterest income
$863Total noninterest expense
$324Salaries and employee benefits
$133Premises and equipment expense
$406Additional noninterest expense
$261Pre-tax net operating income
$0Securities gains (losses)
$65Applicable income taxes
$196Income before extraordinary items
$0Extraordinary gains - net
$196Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$201Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.49%Yield on earning assets
1.63%Cost of funding earning assets
4.86%Net interest margin
0.85%Noninterest income to earning assets
4.03%Noninterest expense to earning assets
0.84%Net operating income to assets
0.84%Return on assets (ROA)
1.11%Pretax return on assets
9.27%Return on equity (ROE)
9.27%Retained earnings to average equity (YTD only)
1.27%Net charge-offs to loans
49.75%Credit loss provision to net charge-offs
1.80%Efficiency ratio
70,507Assets per employee
2.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.63%Loss allowance to noncurrent loans
1232.35%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.21%Net loans and leases to deposits
75.30%Net loans and leases to core deposits
81.34%Equity capital to assets
9.61%Core capital (leverage) ratio
9.51%Tier 1 risk-based capital ratio
13.86%Total risk-based capital ratio
Memoranda
$15Average assets
$23,425Average earning assets
$2,113Average equity
$21,436Average loans
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