First Citizens Bank in Elizabethtown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Citizens Bank - Overview

  • General
  • FDIC Certificate #: 19304
    Status: Active
    Federal Reserve ID: 786742
    Bank Holding Company (Regulatory Top Holder): Farmers Capital Bank Corporation (RSSDID: 1098732, Location: Frankfort, KY)
    Date Established: December 14, 1964
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 14376
    FDIC's unique #: 13117
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 14, 1964
    Last Structure Change Effective Date: March 09, 2012
    Last Structure Change Process Date: March 30, 2012
    Last Data Update: March 30, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 425 West Dixie Avenue, Elizabethtown, KY 42701
    County: Hardin
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Elizabethtown, KY (#21060)
    CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
  • History of Changes
  • Participated in Reorganization
  • Financial Summary
  • Total assets: $316.3 mil
    Equity capital: $29.1 mil
    Deposits held in domestic offices: $268.8 mil
    Return on assets (ROA): 1.99% ($6.3 mil)
    Quarterly return on assets: 2.24% ($7.1 mil)
    Return on Equity (ROE): 21.69% ($6.3 mil)
    Quarterly return on equity: 24.02% ($7.0 mil)
    Net income: $6.1 mil
    Quarterly Net income: $1.8 mil
    Pretax return on assets: 2.91% ($9,203.0 mil)
    Quarterly Pretax return on assets: 3.25% ($10,278.2 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
  • 90Total employees (full-time equivalent)
  • $316,253Total assets
  • $18,996Cash and due from depository institutions
  • $16,542Interest-bearing balances
  • $77,184Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $198,517Net loans & leases
  • $1,554Loan loss allowance
  • $0Trading account assets
  • $7,417Bank premises and fixed assets
  • $2,062Other real estate owned
  • $820Goodwill and other intangibles
  • $316,253Life insurance assets
  • $11,257All other assets
  • $287,122Total liabilities and capital
  • $268,819Total liabilities
  • $236,005Total deposits
  • $268,819Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 9610.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $3,693Subordinated debt
  • $29,131All other liabilities
  • $29,131Total equity capital
  • $29,131Total bank equity capital
  • $0Perpetual preferred stock
  • $2,462Common stock
  • $19,693Surplus
  • $6,976Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,178Income earned, not collected on loans
  • $0Earning assets
  • $1,097Long-term assets (5+ years)
  • $292,243Average Assets, year-to-date
  • $92,674Average Assets, quarterly
  • $308,277Volatile liabilities
  • $315,620Insider loans
  • $208,085FHLB advances
  • $313,761Loans and leases held for sale
  • $2,999Unused loan commitments
  • $1,251Tier 1 (core) risk-based capital
  • $28,025Tier 2 risk-based capital
  • $1,748Total risk weighted assets
  • $0Total unused commitments
  • $36,131Restructured Loans and leases
  • $12,206Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,681Total interest income
  • $3,834Total interest expense
  • $9,847Net interest income
  • $651Provision for loan and lease losses
  • $9,906Total noninterest income
  • $704Fiduciary activities
  • $2,949Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,253Additional noninterest income
  • $10,152Total noninterest expense
  • $4,452Salaries and employee benefits
  • $1,364Premises and equipment expense
  • $4,336Additional noninterest expense
  • $8,950Pre-tax net operating income
  • $21Securities gains (losses)
  • $2,838Applicable income taxes
  • $6,133Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,133Net income attributable to bank
  • $0Net charge-offs
  • $6,133Cash dividends
  • $609Sale, conversion, retirement of capital stock, net
  • $4,450Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.45%Net interest margin
  • 3.47%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 1.98%Net operating income to assets
  • 1.99%Return on assets (ROA)
  • 2.91%Pretax return on assets
  • 21.69%Return on equity (ROE)
  • 5.95%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 106.90%Credit loss provision to net charge-offs
  • 15.77%Efficiency ratio
  • 49,542Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.56%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 37.19%Noncurrent assets plus other real estate owned to assets
  • 1.97%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 73.85%Net loans and leases to core deposits
  • 74.82%Equity capital to assets
  • 9.21%Core capital (leverage) ratio
  • 8.93%Tier 1 risk-based capital ratio
  • 13.47%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $308,277Average earning assets
  • $28,272Average equity
  • $285,339Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $154,020Managed Assets
  • 1Number of Accounts
  • $84,379Personal trust and agency accounts
  • $27,926Employee benefit-defined contribution accounts
  • $1,561Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $25,881Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $29,011Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 652Number of Accounts
  • $0Personal trust and agency accounts
  • $22,998Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $69,641Other retirement accounts
  • $0Corporate trust and agency accounts
  • $4,130Other fiduciary accounts
  • $55,643Fiduciary accounts held in foreign offices

List of branches

  • 6 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013117First Citizens Bank425 West Dixie Avenue, Elizabethtown, KY 42701December 14, 1964Full Service Brick and Mortar
    5247885North Dixie Branch111 Towne Drive, Elizabethtown, KY 42701April 20, 1987Full Service Brick and Mortar
    8432392Shepherdsville Branch4810 North Preston Highway, Shepherdsville, KY 40165October 06, 2004Full Service Brick and Mortar
    9450849Ring Road Branch3030 Ring Road, Elizabethtown, KY 42701May 01, 2006Full Service Brick and Mortar
    11466148Mt. Washington Branch157 East Brooke Court, Mount Washington, KY 40047June 30, 2007Full Service Brick and Mortar
    12481189Radcliff Branch645 South Dixie Boulevard, Radcliff, KY 40160September 30, 2008Full Service Brick and Mortar

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