The Cecilian Bank in Cecilia, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Cecilian Bank - Overview

  • General
  • FDIC Certificate #: 8774
    Status: Active
    Federal Reserve ID: 982142
    Bank Holding Company (Regulatory Top Holder): First Cecilian Bancorp, Inc. (RSSDID: 1928633, Location: Cecilia, KY)
    Date Established: May 01, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 12147
    FDIC's unique #: 5587
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 11, 2010
    Last Structure Change Process Date: June 22, 2010
    Last Data Update: June 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 East Main, Cecilia, KY 42724
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $481.2 mil
    Equity capital: $48.3 mil
    Deposits held in domestic offices: $382.2 mil
    Return on assets (ROA): 0.88% ($4.2 mil)
    Quarterly return on assets: 1.03% ($5.0 mil)
    Return on Equity (ROE): 9.21% ($4.4 mil)
    Quarterly return on equity: 10.25% ($4.9 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.17% ($5,630.0 mil)
    Quarterly Pretax return on assets: 1.41% ($6,784.9 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
  • 147Total employees (full-time equivalent)
  • $481,197Total assets
  • $25,200Cash and due from depository institutions
  • $6,397Interest-bearing balances
  • $124,867Securities
  • $14,563Federal funds sold & reverse repurchase agreements
  • $294,761Net loans & leases
  • $4,482Loan loss allowance
  • $0Trading account assets
  • $13,013Bank premises and fixed assets
  • $324Other real estate owned
  • $2,277Goodwill and other intangibles
  • $481,197Life insurance assets
  • $6,192All other assets
  • $432,860Total liabilities and capital
  • $382,193Total liabilities
  • $347,663Total deposits
  • $382,193Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 8021.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,594Trading liabilities
  • $0Other borrowed funds
  • $3,052Subordinated debt
  • $48,337All other liabilities
  • $48,337Total equity capital
  • $48,337Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $35,000Surplus
  • $13,237Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,050Income earned, not collected on loans
  • $0Earning assets
  • $1,996Long-term assets (5+ years)
  • $440,588Average Assets, year-to-date
  • $225,123Average Assets, quarterly
  • $478,936Volatile liabilities
  • $480,600Insider loans
  • $336,178FHLB advances
  • $483,020Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $42,415Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,462Restructured Loans and leases
  • $688Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,507Total interest income
  • $7,184Total interest expense
  • $16,323Net interest income
  • $1,200Provision for loan and lease losses
  • $3,253Total noninterest income
  • $0Fiduciary activities
  • $1,954Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,299Additional noninterest income
  • $12,794Total noninterest expense
  • $6,142Salaries and employee benefits
  • $1,780Premises and equipment expense
  • $4,872Additional noninterest expense
  • $5,582Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,388Applicable income taxes
  • $4,194Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,194Net income attributable to bank
  • $0Net charge-offs
  • $4,194Cash dividends
  • $236Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.64%Cost of funding earning assets
  • 3.73%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 9.21%Return on equity (ROE)
  • 7.23%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 508.47%Credit loss provision to net charge-offs
  • 28.74%Efficiency ratio
  • 60,252Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.46%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 218.63%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 77.12%Net loans and leases to core deposits
  • 82.77%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 8.78%Tier 1 risk-based capital ratio
  • 12.62%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $478,936Average earning assets
  • $45,555Average equity
  • $437,997Average loans

List of branches

  • 13 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05587The Cecilian Bank104 East Main, Cecilia, KY 42724May 01, 1903Full Service Brick and Mortar
    1218919Rineyville Branch6151 Rineyville Road, Rineyville, KY 40162Febuary 02, 1976Full Service Brick and Mortar
    3218921Oaklawn Branch1808 North Dixie, Elizabethtown, KY 42701March 18, 1988Full Service Brick and Mortar
    4218922Sonora Branch235 East Western Avenue, Sonora, KY 42776November 14, 1994Full Service Brick and Mortar
    6364008Leitchfield Branch1625 Elizabethtown Road, Leitchfield, KY 42754July 01, 2002Full Service Brick and Mortar
    7420279Vine Grove Branch536 Highland Avenue, Vine Grove, KY 40175January 02, 2001Full Service Brick and Mortar
    8465252Prospect Point Branch2920 Ring Road, Elizabethtown, KY 42701July 02, 2007Full Service Brick and Mortar
    9476656Radcliff Branch245 North Dixie Boulevard, Radcliff, KY 40160May 02, 2008Full Service Brick and Mortar
    11480330Cecilian Bank Courier Service2633 Leitchfield Road, Elizabethtown, KY 42701November 01, 2007Limited Service Messenger
    12497250Hillcrest Branch3460 Leitchfield Road, Cecilia, KY 42724November 02, 2009Full Service Brick and Mortar
    1344112Leitchfield Branch211 North Main Street, Leitchfield, KY 42754September 15, 1961Full Service Brick and Mortar
    14284053U.S. 60 East & Bank Street BranchU.S. 60 East & Bank Street, Hardinsburg, KY 40143September 15, 1961Full Service Brick and Mortar
    15527928Brandenberg Branch1270b Old Ekron Road, Brandenburg, KY 40108September 29, 2011Full Service Brick and Mortar

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