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

This bank is inactive as of October 02, 2000

  • Citizens Deposit Bank in Calhoun, Kentucky (KY)
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Citizens Deposit Bank - Overview

  • General
  • FDIC Certificate #: 265
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Area Bank (#18478)
    Federal Reserve ID: 828549
    Date Established: January 01, 1903
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 13286
    FDIC's unique #: 212
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 02, 2000
    Last Structure Change Process Date: December 05, 2000
    Last Data Update: December 05, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Main Street, Calhoun, KY 42327
    County: Mclean
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
    CBSA Metro Statistical Area: Owensboro, KY (#36980)
  • Financial Summary
  • Total assets: $40.5 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $44,903Total assets
  • $1,016Cash and due from depository institutions
  • $43Interest-bearing balances
  • $11,342Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $29,339Net loans & leases
  • $451Loan loss allowance
  • $0Trading account assets
  • $474Bank premises and fixed assets
  • $0Other real estate owned
  • $1,922Goodwill and other intangibles
  • $0Life insurance assets
  • $810All other assets
  • $44,903Total liabilities and capital
  • $39,214Total liabilities
  • $30,900Total deposits
  • $27,459Interest-bearing deposits
  • $30,900Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,975Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,089Other borrowed funds
  • $0Subordinated debt
  • $250All other liabilities
  • $5,689Total equity capital
  • $5,689Total bank equity capital
  • $5,689Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $5,415Undivided profits
  • Memoranda
  • $224Noncurrent loans and leases
  • $1,548Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7Earning assets
  • $0Long-term assets (5+ years)
  • $578Average Assets, year-to-date
  • $40,724Average Assets, quarterly
  • $7,956Volatile liabilities
  • $41,791Insider loans
  • $42,953FHLB advances
  • $8,628Loans and leases held for sale
  • $376Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,548Total unused commitments
  • $0Restructured Loans and leases
  • $399Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $2,962Total interest income
  • $1,283Total interest expense
  • $1,679Net interest income
  • $0Provision for loan and lease losses
  • $219Total noninterest income
  • $0Fiduciary activities
  • $161Service charges on deposit accounts
  • $0Trading account gains & fees
  • $58Additional noninterest income
  • $1,185Total noninterest expense
  • $450Salaries and employee benefits
  • $86Premises and equipment expense
  • $649Additional noninterest expense
  • $713Pre-tax net operating income
  • $0Securities gains (losses)
  • $318Applicable income taxes
  • $395Income before extraordinary items
  • $0Extraordinary gains - net
  • $395Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $12Sale, conversion, retirement of capital stock, net
  • $610Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.85%Yield on earning assets
  • 3.40%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 6.88%Return on equity (ROE)
  • -3.74%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 59.42%Efficiency ratio
  • 45,311Assets per employee
  • 4.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 154.43%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 6442.86%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 94.95%Net loans and leases to core deposits
  • 102.06%Equity capital to assets
  • 12.67%Core capital (leverage) ratio
  • 9.44%Tier 1 risk-based capital ratio
  • 11.95%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $41,791Average earning assets
  • $5,745Average equity
  • $37,713Average loans

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