Citizens Deposit Bank of Arlington, Inc. in Arlington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 35Total employees (full-time equivalent)
  • $178,730Total assets
  • $5,061Cash and due from depository institutions
  • $2,117Interest-bearing balances
  • $66,535Securities
  • $1,356Federal funds sold & reverse repurchase agreements
  • $100,757Net loans & leases
  • $2,209Loan loss allowance
  • $0Trading account assets
  • $1,046Bank premises and fixed assets
  • $271Other real estate owned
  • $0Goodwill and other intangibles
  • $178,730Life insurance assets
  • $3,704All other assets
  • $157,720Total liabilities and capital
  • $128,386Total liabilities
  • $117,515Total deposits
  • $128,386Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 809.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,954Trading liabilities
  • $0Other borrowed funds
  • $571Subordinated debt
  • $21,010All other liabilities
  • $21,010Total equity capital
  • $21,010Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $8,940Surplus
  • $12,010Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $434Income earned, not collected on loans
  • $0Earning assets
  • $1,437Long-term assets (5+ years)
  • $170,765Average Assets, year-to-date
  • $57,702Average Assets, quarterly
  • $173,950Volatile liabilities
  • $175,538Insider loans
  • $112,523FHLB advances
  • $177,285Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,991Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,193Restructured Loans and leases
  • $102Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,760Total interest income
  • $3,346Total interest expense
  • $6,414Net interest income
  • $310Provision for loan and lease losses
  • $671Total noninterest income
  • $0Fiduciary activities
  • $442Service charges on deposit accounts
  • $0Trading account gains & fees
  • $229Additional noninterest income
  • $3,316Total noninterest expense
  • $1,867Salaries and employee benefits
  • $173Premises and equipment expense
  • $1,276Additional noninterest expense
  • $3,459Pre-tax net operating income
  • $46Securities gains (losses)
  • $0Applicable income taxes
  • $3,505Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,505Net income attributable to bank
  • $0Net charge-offs
  • $3,505Cash dividends
  • $297Sale, conversion, retirement of capital stock, net
  • $1,882Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.87%Yield on earning assets
  • 2.01%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 1.99%Net operating income to assets
  • 2.01%Return on assets (ROA)
  • 2.01%Pretax return on assets
  • 17.23%Return on equity (ROE)
  • 7.98%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 104.38%Credit loss provision to net charge-offs
  • 12.69%Efficiency ratio
  • 46,803Assets per employee
  • 5.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.69%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 508.99%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 78.48%Net loans and leases to core deposits
  • 121.72%Equity capital to assets
  • 11.76%Core capital (leverage) ratio
  • 11.28%Tier 1 risk-based capital ratio
  • 17.77%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $173,950Average earning assets
  • $20,340Average equity
  • $166,234Average loans

List of branches

  • 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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