- bankencyclopedia.com
- Banks in Kentucky (KY)
- Citizens Deposit Bank
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)
-
Show street view
No street view available for this location
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
- bankencyclopedia.com
- Banks in Kentucky (KY)
- Citizens Deposit Bank
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens Deposit Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: