Citizens Bank in Hartford, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens Bank in Hartford, Kentucky (KY)
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Citizens Bank routing number info

Citizens Bank - Overview

  • General
  • FDIC Certificate #: 1051
    Status: Active
    Federal Reserve ID: 535641
    Date Established: January 01, 1914
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 703
    Numeric code: 13
    Regulator: FED
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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 Center Streets, Hartford, KY 42347
    County: Ohio
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $24.5 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $19.9 mil
    Return on assets (ROA): 0.60% ($0.1 mil)
    Quarterly return on assets: 0.81% ($0.2 mil)
    Return on Equity (ROE): 3.18% ($0.2 mil)
    Quarterly return on equity: 4.36% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.85% ($207.9 mil)
    Quarterly Pretax return on assets: 0.68% ($166.3 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
  • 16Total employees (full-time equivalent)
  • $24,463Total assets
  • $5,244Cash and due from depository institutions
  • $3,693Interest-bearing balances
  • $6,693Securities
  • $956Federal funds sold & reverse repurchase agreements
  • $11,082Net loans & leases
  • $196Loan loss allowance
  • $0Trading account assets
  • $264Bank premises and fixed assets
  • $10Other real estate owned
  • $0Goodwill and other intangibles
  • $24,463Life insurance assets
  • $214All other assets
  • $19,940Total liabilities and capital
  • $19,905Total liabilities
  • $13,082Total deposits
  • $19,905Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $35Subordinated debt
  • $4,523All other liabilities
  • $4,523Total equity capital
  • $4,523Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $900Surplus
  • $3,523Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $486Income earned, not collected on loans
  • $0Earning assets
  • $124Long-term assets (5+ years)
  • $22,424Average Assets, year-to-date
  • $4,128Average Assets, quarterly
  • $23,774Volatile liabilities
  • $24,153Insider loans
  • $11,392FHLB advances
  • $23,851Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,523Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $292Restructured Loans and leases
  • $64Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,142Total interest income
  • $89Total interest expense
  • $1,053Net interest income
  • $71Provision for loan and lease losses
  • $183Total noninterest income
  • $0Fiduciary activities
  • $148Service charges on deposit accounts
  • $0Trading account gains & fees
  • $35Additional noninterest income
  • $964Total noninterest expense
  • $478Salaries and employee benefits
  • $109Premises and equipment expense
  • $377Additional noninterest expense
  • $201Pre-tax net operating income
  • $0Securities gains (losses)
  • $59Applicable income taxes
  • $142Income before extraordinary items
  • $0Extraordinary gains - net
  • $142Net income attributable to bank
  • $0Net charge-offs
  • $142Cash dividends
  • $45Sale, conversion, retirement of capital stock, net
  • $2Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 4.81%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 4.41%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 3.18%Return on equity (ROE)
  • 3.14%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 157.78%Credit loss provision to net charge-offs
  • 6.04%Efficiency ratio
  • 77,994Assets per employee
  • 1.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.41%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 40.33%Noncurrent assets plus other real estate owned to assets
  • 2.03%Noncurrent loans to loans
  • 4.31%Net loans and leases to deposits
  • 55.67%Net loans and leases to core deposits
  • 56.39%Equity capital to assets
  • 18.49%Core capital (leverage) ratio
  • 18.96%Tier 1 risk-based capital ratio
  • 39.70%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $23,774Average earning assets
  • $4,459Average equity
  • $21,883Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0703Citizens BankMain And Center Streets, Hartford, KY 42347January 01, 1914Full Service Brick and Mortar
    1187790Hartford Branch901 South Main Street, Hartford, KY 42347September 19, 1977Full Service Brick and Mortar
    2187791Beaver Dam Branch1051 North Main Street, Beaver Dam, KY 42320June 10, 1996Full Service Brick and Mortar

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