Citizens Deposit Bank of Arlington, Inc. in Arlington, Kentucky (KY)

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Citizens Deposit Bank of Arlington, Inc. routing number info

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Citizens Deposit Bank of Arlington, Inc.
GeneralFDIC Certificate #: 16852
Status: Active
Federal Reserve ID: 959443
Bank Holding Company (Regulatory Top Holder): Carlisle Bancorp, Inc. (RSSDID: 1100318, Location: Arlington, KY)
Date Established: December 01, 1949
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 9732
FDIC's unique #: 10951
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: December 01, 1949
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: 1 Walnut Street, Arlington, KY 42021
County: Carlisle
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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $178.7 mil
Equity capital: $21.0 mil
Deposits held in domestic offices: $128.4 mil
Return on assets (ROA): 2.01% ($3.6 mil)
Quarterly return on assets: 2.10% ($3.8 mil)
Return on Equity (ROE): 17.23% ($3.6 mil)
Quarterly return on equity: 17.49% ($3.7 mil)
Net income: $3.5 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 2.01% ($3,592.5 mil)
Quarterly Pretax return on assets: 2.10% ($3,753.3 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)
Total employees (full-time equivalent)35
Total assets$178,730
Cash and due from depository institutions$5,061
Interest-bearing balances$2,117
Federal funds sold & reverse repurchase agreements$1,356
Net loans & leases$100,757
Loan loss allowance $2,209
Trading account assets$0
Bank premises and fixed assets$1,046
Other real estate owned$271
Goodwill and other intangibles$0
All other assets$3,704
Life insurance assets$178,730
Total liabilities and capital$157,720
Total liabilities$128,386
Total deposits$117,515
Interest-bearing deposits$128,386
Deposits held in domestic offices$67
% insured (estimated)809.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$27,954
Other borrowed funds $0
Subordinated debt $571
All other liabilities $21,010
Total equity capital$21,010
Total bank equity capital$21,010
Perpetual preferred stock$0
Common stock$60
Undivided profits $12,010
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 $434
Earning assets $0
Long-term assets (5+ years) $1,437
Average Assets, year-to-date $170,765
Average Assets, quarterly $57,702
Volatile liabilities $173,950
Insider loans $175,538
FHLB advances $112,523
Loans and leases held for sale $177,285
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $19,991
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,193
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,760
Total interest expense $3,346
Net interest income $6,414
Provision for loan and lease losses $310
Total noninterest income $671
Fiduciary activities $0
Service charges on deposit accounts $442
Trading account gains & fees $0
Additional noninterest income $229
Total noninterest expense $3,316
Salaries and employee benefits $1,867
Premises and equipment expense $173
Additional noninterest expense $1,276
Pre-tax net operating income $3,459
Securities gains (losses) $46
Applicable income taxes $0
Income before extraordinary items $3,505
Extraordinary gains - net $0
Net income attributable to bank $3,505
Net charge-offs $0
Cash dividends $3,505
Sale, conversion, retirement of capital stock, net $297
Net operating income $1,882
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.87%
Cost of funding earning assets 2.01%
Net interest margin 3.86%
Noninterest income to earning assets 0.40%
Noninterest expense to earning assets 1.99%
Net operating income to assets 1.99%
Return on assets (ROA) 2.01%
Pretax return on assets 2.01%
Return on equity (ROE) 17.23%
Retained earnings to average equity (YTD only) 7.98%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 104.38%
Efficiency ratio12.69%
Assets per employee$46,803
Cash dividends to net income (YTD only)5.11%
Condition Ratios (%)
Loss allowance to loans 53.69%
Loss allowance to noncurrent loans 2.15%
Noncurrent assets plus other real estate owned to assets 508.99%
Noncurrent loans to loans 0.39%
Net loans and leases to deposits0.42%
Net loans and leases to core deposits 78.48%
Equity capital to assets 121.72%
Core capital (leverage) ratio 11.76%
Tier 1 risk-based capital ratio 11.28%
Total risk-based capital ratio 17.77%
Average assets$19
Average earning assets$173,950
Average equity $20,340
Average loans $166,234
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2 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010951Citizens Deposit Bank Of Arlington, Inc.1 Walnut Street, Arlington, KY 42021December 01, 1949Full Service Brick and Mortar
1239021Bardwell BranchHighway 62 East, Bardwell, KY 42023June 08, 1998Full Service Brick and Mortar
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