Citizens Bank & Trust Company in Campbellsville, Kentucky (KY)

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Citizens Bank & Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$179,031
Cash and due from depository institutions$11,025
Interest-bearing balances$7,623
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$99,680
Loan loss allowance $1,725
Trading account assets$0
Bank premises and fixed assets$1,052
Other real estate owned$5
Goodwill and other intangibles$361
All other assets$2,294
Life insurance assets$179,031
Total liabilities and capital$151,831
Total liabilities$140,060
Total deposits$118,990
Interest-bearing deposits$140,060
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,000
Other borrowed funds $0
Subordinated debt $1,771
All other liabilities $27,200
Total equity capital$27,200
Total bank equity capital$27,200
Perpetual preferred stock$0
Common stock$210
Undivided profits $4,200
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $130
Earning assets $0
Long-term assets (5+ years) $891
Average Assets, year-to-date $171,917
Average Assets, quarterly $56,162
Volatile liabilities $175,721
Insider loans $176,074
FHLB advances $102,153
Loans and leases held for sale $178,382
Unused loan commitments $40
Tier 1 (core) risk-based capital $40
Tier 2 risk-based capital $26,677
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,303
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,201
Total interest expense $1,534
Net interest income $6,667
Provision for loan and lease losses $120
Total noninterest income $1,246
Fiduciary activities $0
Service charges on deposit accounts $647
Trading account gains & fees $0
Additional noninterest income $599
Total noninterest expense $4,902
Salaries and employee benefits $2,555
Premises and equipment expense $792
Additional noninterest expense $1,555
Pre-tax net operating income $2,891
Securities gains (losses) -$58
Applicable income taxes $675
Income before extraordinary items $2,158
Extraordinary gains - net $0
Net income attributable to bank $2,158
Net charge-offs $0
Cash dividends $2,158
Sale, conversion, retirement of capital stock, net $73
Net operating income $1,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.87%
Cost of funding earning assets 0.91%
Net interest margin 3.96%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 2.91%
Net operating income to assets 1.25%
Return on assets (ROA) 1.23%
Pretax return on assets 1.61%
Return on equity (ROE) 8.16%
Retained earnings to average equity (YTD only) 2.11%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 164.38%
Efficiency ratio41.25%
Assets per employee$61,949
Cash dividends to net income (YTD only)4.07%
Condition Ratios (%)
Loss allowance to loans 74.14%
Loss allowance to noncurrent loans 1.70%
Noncurrent assets plus other real estate owned to assets 1326.92%
Noncurrent loans to loans 0.08%
Net loans and leases to deposits0.13%
Net loans and leases to core deposits 71.17%
Equity capital to assets 72.90%
Core capital (leverage) ratio 15.19%
Tier 1 risk-based capital ratio 14.95%
Total risk-based capital ratio 26.11%
Average assets$27
Average earning assets$175,721
Average equity $26,432
Average loans $168,344
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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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