Central Bank of Jefferson County in Louisville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central Bank of Jefferson County - Overview

  • General
  • FDIC Certificate #: 34153
    Status: Active
    Federal Reserve ID: 2435660
    Bank Holding Company (Regulatory Top Holder): Central Bancshares, Inc. (RSSDID: 2158156, Location: Lexington, KY)
    Date Established: April 02, 1996
    WWW: http://www.centralbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 56300
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 02, 1996
    Last Structure Change Effective Date: November 18, 2009
    Last Structure Change Process Date: November 18, 2009
    Last Data Update: November 18, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 4630 Taylorsville Road, Louisville, KY 40220
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • Financial Summary
  • Total assets: $177.3 mil
    Equity capital: $21.6 mil
    Deposits held in domestic offices: $153.8 mil
    Return on assets (ROA): 0.16% ($0.3 mil)
    Quarterly return on assets: -0.06% (-$0.1 mil)
    Return on Equity (ROE): 1.32% ($0.3 mil)
    Quarterly return on equity: -0.50% (-$0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.18% ($319.2 mil)
    Quarterly Pretax return on assets: -0.16% (-$283.7 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
  • 25Total employees (full-time equivalent)
  • $177,306Total assets
  • $1,948Cash and due from depository institutions
  • $171Interest-bearing balances
  • $4,425Securities
  • $4,836Federal funds sold & reverse repurchase agreements
  • $147,179Net loans & leases
  • $1,898Loan loss allowance
  • $0Trading account assets
  • $6,474Bank premises and fixed assets
  • $2,822Other real estate owned
  • $4,331Goodwill and other intangibles
  • $177,306Life insurance assets
  • $5,291All other assets
  • $155,700Total liabilities and capital
  • $153,835Total liabilities
  • $130,005Total deposits
  • $153,835Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1202.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $663Subordinated debt
  • $21,606All other liabilities
  • $21,606Total equity capital
  • $21,606Total bank equity capital
  • $0Perpetual preferred stock
  • $4,766Common stock
  • $26,244Surplus
  • $-9,404Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,110Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,770Income earned, not collected on loans
  • $0Earning assets
  • $482Long-term assets (5+ years)
  • $156,611Average Assets, year-to-date
  • $27,034Average Assets, quarterly
  • $176,857Volatile liabilities
  • $175,373Insider loans
  • $153,949FHLB advances
  • $172,421Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,257Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,239Restructured Loans and leases
  • $575Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,347Total interest income
  • $1,936Total interest expense
  • $6,411Net interest income
  • $1,443Provision for loan and lease losses
  • $1,484Total noninterest income
  • $0Fiduciary activities
  • $396Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,088Additional noninterest income
  • $6,132Total noninterest expense
  • $2,025Salaries and employee benefits
  • $1,399Premises and equipment expense
  • $2,708Additional noninterest expense
  • $320Pre-tax net operating income
  • $0Securities gains (losses)
  • $36Applicable income taxes
  • $284Income before extraordinary items
  • $0Extraordinary gains - net
  • $284Net income attributable to bank
  • $0Net charge-offs
  • $284Cash dividends
  • $1,298Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.92%Noninterest expense to earning assets
  • 0.16%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 1.32%Return on equity (ROE)
  • 1.32%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 111.17%Credit loss provision to net charge-offs
  • 1.36%Efficiency ratio
  • 77,669Assets per employee
  • 7.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 28.04%Noncurrent assets plus other real estate owned to assets
  • 5.41%Noncurrent loans to loans
  • 4.54%Net loans and leases to deposits
  • 95.67%Net loans and leases to core deposits
  • 102.65%Equity capital to assets
  • 12.19%Core capital (leverage) ratio
  • 8.85%Tier 1 risk-based capital ratio
  • 9.91%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $176,857Average earning assets
  • $21,510Average equity
  • $156,352Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056300Central Bank Of Jefferson County4630 Taylorsville Road, Louisville, KY 40220April 02, 1996Full Service Brick and Mortar
    1362701Hurstbourne Plaza Branch9300 Shelbyville Road, Suite 100, Louisville, KY 40222July 16, 2001Full Service Brick and Mortar
    3466285Waterfront Plaza Branch321 W Main Street, Louisville, KY 40202Febuary 05, 2007Full Service Brick and Mortar

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