Leitchfield Deposit Bank & Trust Company in Leitchfield, Kentucky (KY)



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Leitchfield Deposit Bank & Trust Company routing number info

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Leitchfield Deposit Bank & Trust Company
GeneralFDIC Certificate #: 13168
Status: Active
Federal Reserve ID: 643546
Bank Holding Company (Regulatory Top Holder): Farmers Bancshares, Inc. (RSSDID: 1095638, Location: Hardinsburg, KY)
Date Established: January 01, 1897
WWW: http://www.ldb-ky.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 8979
FDIC's unique #: 8331
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: January 01, 1934
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: 76 Public Square, Leitchfield, KY 42754
County: Grayson
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $107.8 mil
Equity capital: $15.8 mil
Deposits held in domestic offices: $81.9 mil
Return on assets (ROA): 1.34% ($1.4 mil)
Quarterly return on assets: 1.26% ($1.4 mil)
Return on Equity (ROE): 8.71% ($1.4 mil)
Quarterly return on equity: 8.44% ($1.4 mil)
Net income: $1.4 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.84% ($1,983.8 mil)
Quarterly Pretax return on assets: 1.64% ($1,768.2 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)
Total employees (full-time equivalent)31
Total assets$107,817
Cash and due from depository institutions$2,550
Interest-bearing balances$62
Securities$11,663
Federal funds sold & reverse repurchase agreements$10,835
Net loans & leases$76,357
Loan loss allowance $788
Trading account assets$0
Bank premises and fixed assets$1,103
Other real estate owned$1,275
Goodwill and other intangibles$0
All other assets$4,034
Life insurance assets$107,817
Total liabilities and capital$92,004
Total liabilities$81,889
Total deposits$60,836
Interest-bearing deposits$81,889
Deposits held in domestic offices$91
% insured (estimated)2910.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,600
Other borrowed funds $0
Subordinated debt $605
All other liabilities $15,813
Total equity capital$15,813
Total bank equity capital$15,813
Perpetual preferred stock$0
Common stock$345
Surplus$8,322
Undivided profits $7,146
Memoranda
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 $674
Earning assets $0
Long-term assets (5+ years) $534
Average Assets, year-to-date $98,917
Average Assets, quarterly $46,024
Volatile liabilities $106,030
Insider loans $106,410
FHLB advances $82,829
Loans and leases held for sale $106,584
Unused loan commitments $1,456
Tier 1 (core) risk-based capital $1,456
Tier 2 risk-based capital $15,813
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,566
Derivatives$613
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,310
Total interest expense $953
Net interest income $4,357
Provision for loan and lease losses $212
Total noninterest income $734
Fiduciary activities $0
Service charges on deposit accounts $363
Trading account gains & fees $0
Additional noninterest income $371
Total noninterest expense $2,925
Salaries and employee benefits $1,612
Premises and equipment expense $242
Additional noninterest expense $1,071
Pre-tax net operating income $1,954
Securities gains (losses) $2
Applicable income taxes $538
Income before extraordinary items $1,418
Extraordinary gains - net $0
Net income attributable to bank $1,418
Net charge-offs $0
Cash dividends $1,418
Sale, conversion, retirement of capital stock, net $186
Net operating income $2,466
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.43%
Cost of funding earning assets 0.97%
Net interest margin 4.45%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 2.99%
Net operating income to assets 1.34%
Return on assets (ROA) 1.34%
Pretax return on assets 1.84%
Return on equity (ROE) 8.71%
Retained earnings to average equity (YTD only) -6.44%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 113.98%
Efficiency ratio11.65%
Assets per employee$57,454
Cash dividends to net income (YTD only)3.48%
Condition Ratios (%)
Loss allowance to loans 173.91%
Loss allowance to noncurrent loans 1.02%
Noncurrent assets plus other real estate owned to assets 116.91%
Noncurrent loans to loans 1.81%
Net loans and leases to deposits0.87%
Net loans and leases to core deposits 93.24%
Equity capital to assets 99.46%
Core capital (leverage) ratio 14.67%
Tier 1 risk-based capital ratio 14.84%
Total risk-based capital ratio 19.09%
Memoranda
Average assets$20
Average earning assets$106,030
Average equity $16,276
Average loans $97,824
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4 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08331Leitchfield Deposit Bank & Trust Com76 Public Square, Leitchfield, KY 42754January 01, 1897Full Service Brick and Mortar
2229242Southgate BranchSouthgate Mall, Leitchfield, KY 42754June 07, 1979Full Service Brick and Mortar
3229243Highway 79 BranchHighway 79, Falls Of Rough, KY 40119August 28, 1989Full Service Brick and Mortar
4366282Elizabethtown Road Branch1687 Elizabethtown Road, Leitchfield, KY 42754January 16, 2003Full Service Brick and Mortar
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