Deposit Bank of Carlisle in Carlisle, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Deposit Bank of Carlisle - Overview

  • General
  • FDIC Certificate #: 266
    Status: Active
    Federal Reserve ID: 842116
    Bank Holding Company (Regulatory Top Holder): Farmers National Bancorp Of Cynthiana, Inc. (RSSDID: 1071511, Location: Cynthiana, KY)
    Date Established: January 01, 1866
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12120
    FDIC's unique #: 213
    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: January 01, 1934
    Last Structure Change Effective Date: October 20, 2010
    Last Structure Change Process Date: October 20, 2010
    Last Data Update: October 20, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 East Main Street, Carlisle, KY 40311
    County: Nicholas
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $64.4 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $51.1 mil
    Return on assets (ROA): 0.17% ($0.1 mil)
    Quarterly return on assets: 1.44% ($0.9 mil)
    Return on Equity (ROE): 0.97% ($0.1 mil)
    Quarterly return on equity: 7.76% ($0.9 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.17% ($109.5 mil)
    Quarterly Pretax return on assets: 1.44% ($927.7 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
  • 13Total employees (full-time equivalent)
  • $64,425Total assets
  • $1,073Cash and due from depository institutions
  • $114Interest-bearing balances
  • $27,490Securities
  • $1,200Federal funds sold & reverse repurchase agreements
  • $32,623Net loans & leases
  • $521Loan loss allowance
  • $0Trading account assets
  • $136Bank premises and fixed assets
  • $25Other real estate owned
  • $0Goodwill and other intangibles
  • $64,424Life insurance assets
  • $1,878All other assets
  • $52,315Total liabilities and capital
  • $51,097Total liabilities
  • $42,441Total deposits
  • $51,097Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 1017.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $201Subordinated debt
  • $12,109All other liabilities
  • $12,109Total equity capital
  • $12,109Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $1,200Surplus
  • $10,709Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,482Income earned, not collected on loans
  • $77Earning assets
  • $584Long-term assets (5+ years)
  • $61,427Average Assets, year-to-date
  • $14,467Average Assets, quarterly
  • $65,575Volatile liabilities
  • $64,848Insider loans
  • $33,091FHLB advances
  • $65,299Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,316Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $564Restructured Loans and leases
  • $65Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,904Total interest income
  • $460Total interest expense
  • $2,444Net interest income
  • $1,115Provision for loan and lease losses
  • $436Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $78Additional noninterest income
  • $1,652Total noninterest expense
  • $636Salaries and employee benefits
  • $159Premises and equipment expense
  • $857Additional noninterest expense
  • $113Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $114Income before extraordinary items
  • $0Extraordinary gains - net
  • $114Net income attributable to bank
  • $0Net charge-offs
  • $114Cash dividends
  • $891Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.17%Return on assets (ROA)
  • 0.17%Pretax return on assets
  • 0.97%Return on equity (ROE)
  • 0.97%Retained earnings to average equity (YTD only)
  • 2.63%Net charge-offs to loans
  • 125.14%Credit loss provision to net charge-offs
  • 1.38%Efficiency ratio
  • 57,361Assets per employee
  • 4.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 20.99%Noncurrent assets plus other real estate owned to assets
  • 3.89%Noncurrent loans to loans
  • 7.49%Net loans and leases to deposits
  • 63.85%Net loans and leases to core deposits
  • 65.02%Equity capital to assets
  • 18.80%Core capital (leverage) ratio
  • 17.33%Tier 1 risk-based capital ratio
  • 34.20%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $65,575Average earning assets
  • $11,716Average equity
  • $60,953Average loans

Total Fiduciary and Related Assets (December 31, 2010)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $339Managed Assets
  • 1Number of Accounts
  • $339Personal trust and agency accounts
  • $93Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $145Investment management agency accounts
  • $0Other fiduciary accounts
  • $101Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 4Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0213Deposit Bank Of Carlisle102 East Main Street, Carlisle, KY 40311January 01, 1866Full Service Brick and Mortar
    1181424Carlisle Branch386 West Main Street, Carlisle, KY 40311March 08, 1990Full Service Brick and Mortar

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