Century Bank of Kentucky, Inc. in Lawrenceburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Century Bank of Kentucky, Inc. - Overview

  • General
  • FDIC Certificate #: 35450
    Status: Active
    Federal Reserve ID: 2920287
    Bank Holding Company (Regulatory Top Holder): Century Bancshares, Inc. (RSSDID: 3097458, Location: Lawrenceburg, KY)
    Date Established: July 05, 2000
    WWW: http://www.centurybankky.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 #: 80228
    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: Commercial Lending Specialization
    Date of Deposit Insurance: July 05, 2000
    Last Structure Change Effective Date: September 16, 2010
    Last Structure Change Process Date: September 16, 2010
    Last Data Update: September 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 West Woodford Street, Lawrenceburg, KY 40342
    County: Anderson
    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): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Frankfort, KY (#23180)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $100.6 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $87.8 mil
    Return on assets (ROA): 0.49% ($0.5 mil)
    Quarterly return on assets: -0.24% (-$0.2 mil)
    Return on Equity (ROE): 5.18% ($0.5 mil)
    Quarterly return on equity: -2.45% (-$0.2 mil)
    Net income: $0.5 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.49% ($492.9 mil)
    Quarterly Pretax return on assets: -0.24% (-$241.4 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
  • 29Total employees (full-time equivalent)
  • $100,594Total assets
  • $3,402Cash and due from depository institutions
  • $329Interest-bearing balances
  • $13,745Securities
  • $9,154Federal funds sold & reverse repurchase agreements
  • $68,581Net loans & leases
  • $1,655Loan loss allowance
  • $0Trading account assets
  • $1,437Bank premises and fixed assets
  • $3,198Other real estate owned
  • $0Goodwill and other intangibles
  • $100,594Life insurance assets
  • $1,077All other assets
  • $91,019Total liabilities and capital
  • $87,819Total liabilities
  • $77,285Total deposits
  • $87,819Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 2773.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $154Trading liabilities
  • $0Other borrowed funds
  • $273Subordinated debt
  • $9,575All other liabilities
  • $9,575Total equity capital
  • $9,575Total bank equity capital
  • $0Perpetual preferred stock
  • $2,550Common stock
  • $6,135Surplus
  • $890Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,056Income earned, not collected on loans
  • $0Earning assets
  • $350Long-term assets (5+ years)
  • $91,809Average Assets, year-to-date
  • $32,382Average Assets, quarterly
  • $98,996Volatile liabilities
  • $99,881Insider loans
  • $66,268FHLB advances
  • $99,414Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,243Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,135Restructured Loans and leases
  • $1,755Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,793Total interest income
  • $918Total interest expense
  • $3,875Net interest income
  • $360Provision for loan and lease losses
  • $528Total noninterest income
  • $0Fiduciary activities
  • $407Service charges on deposit accounts
  • $0Trading account gains & fees
  • $121Additional noninterest income
  • $3,716Total noninterest expense
  • $1,804Salaries and employee benefits
  • $294Premises and equipment expense
  • $1,618Additional noninterest expense
  • $327Pre-tax net operating income
  • $158Securities gains (losses)
  • $0Applicable income taxes
  • $485Income before extraordinary items
  • $0Extraordinary gains - net
  • $485Net income attributable to bank
  • $0Net charge-offs
  • $485Cash dividends
  • $546Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 4.08%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 5.18%Return on equity (ROE)
  • 5.18%Retained earnings to average equity (YTD only)
  • 0.78%Net charge-offs to loans
  • 65.93%Credit loss provision to net charge-offs
  • 1.26%Efficiency ratio
  • 84,397Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 40.80%Noncurrent assets plus other real estate owned to assets
  • 7.21%Noncurrent loans to loans
  • 5.77%Net loans and leases to deposits
  • 78.09%Net loans and leases to core deposits
  • 81.35%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.30%Tier 1 risk-based capital ratio
  • 13.95%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $98,996Average earning assets
  • $9,361Average equity
  • $91,025Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080228Century Bank Of Kentucky, Inc.201 West Woodford Street, Lawrenceburg, KY 40342July 05, 2000Full Service Brick and Mortar
    1431965Anderson Crossing Branch1300 Anderson Crossing Drive, Lawrenceburg, KY 40342December 03, 2003Full Service Retail
    2478292Www.Centurybankdirect.com Branch201 West Woodford St., Lawrenceburg, KY 40342October 09, 2007Full Service Cyber

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