Citizens Bank & Trust Company in Campbellsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 15675
    Status: Active
    Federal Reserve ID: 829041
    Bank Holding Company (Regulatory Top Holder): First Bancorp, Inc. (RSSDID: 1099140, Location: Russell Springs, KY)
    Date Established: January 01, 1939
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9331
    FDIC's unique #: 9949
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 22, 1939
    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: 201 East Main Street, Campbellsville, KY 42718
    County: Taylor
    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
    Core Based Statistical Area (CBSA): Campbellsville, KY (#15820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $179.0 mil
    Equity capital: $27.2 mil
    Deposits held in domestic offices: $140.1 mil
    Return on assets (ROA): 1.23% ($2.2 mil)
    Quarterly return on assets: 1.21% ($2.2 mil)
    Return on Equity (ROE): 8.16% ($2.2 mil)
    Quarterly return on equity: 7.83% ($2.1 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.61% ($2,882.4 mil)
    Quarterly Pretax return on assets: 1.59% ($2,846.6 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
  • 44Total employees (full-time equivalent)
  • $179,031Total assets
  • $11,025Cash and due from depository institutions
  • $7,623Interest-bearing balances
  • $64,614Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $99,680Net loans & leases
  • $1,725Loan loss allowance
  • $0Trading account assets
  • $1,052Bank premises and fixed assets
  • $5Other real estate owned
  • $361Goodwill and other intangibles
  • $179,031Life insurance assets
  • $2,294All other assets
  • $151,831Total liabilities and capital
  • $140,060Total liabilities
  • $118,990Total deposits
  • $140,060Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $1,771Subordinated debt
  • $27,200All other liabilities
  • $27,200Total equity capital
  • $27,200Total bank equity capital
  • $0Perpetual preferred stock
  • $210Common stock
  • $22,790Surplus
  • $4,200Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $130Income earned, not collected on loans
  • $0Earning assets
  • $891Long-term assets (5+ years)
  • $171,917Average Assets, year-to-date
  • $56,162Average Assets, quarterly
  • $175,721Volatile liabilities
  • $176,074Insider loans
  • $102,153FHLB advances
  • $178,382Loans and leases held for sale
  • $40Unused loan commitments
  • $40Tier 1 (core) risk-based capital
  • $26,677Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,303Restructured Loans and leases
  • $294Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,201Total interest income
  • $1,534Total interest expense
  • $6,667Net interest income
  • $120Provision for loan and lease losses
  • $1,246Total noninterest income
  • $0Fiduciary activities
  • $647Service charges on deposit accounts
  • $0Trading account gains & fees
  • $599Additional noninterest income
  • $4,902Total noninterest expense
  • $2,555Salaries and employee benefits
  • $792Premises and equipment expense
  • $1,555Additional noninterest expense
  • $2,891Pre-tax net operating income
  • -$58Securities gains (losses)
  • $675Applicable income taxes
  • $2,158Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,158Net income attributable to bank
  • $0Net charge-offs
  • $2,158Cash dividends
  • $73Sale, conversion, retirement of capital stock, net
  • $1,600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 8.16%Return on equity (ROE)
  • 2.11%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 164.38%Credit loss provision to net charge-offs
  • 41.25%Efficiency ratio
  • 61,949Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.14%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 1326.92%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 71.17%Net loans and leases to core deposits
  • 72.90%Equity capital to assets
  • 15.19%Core capital (leverage) ratio
  • 14.95%Tier 1 risk-based capital ratio
  • 26.11%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $175,721Average earning assets
  • $26,432Average equity
  • $168,344Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09949Citizens Bank & Trust Company201 East Main Street, Campbellsville, KY 42718January 01, 1939Full Service Brick and Mortar
    1234940Main Street Branch408 East Main Street, Campbellsville, KY 42718May 03, 1972Limited Service Facility
    3234942Elmhurst Plaza Branch1307 East Broadway, Campbellsville, KY 42718September 11, 1978Full Service Brick and Mortar
    5234944Campbellsville Branch280 Campbellsville Bypass, Campbellsville, KY 42718November 26, 1990Full Service Brick and Mortar

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