The Cecilian Bank in Cecilia, Kentucky (KY)

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The Cecilian Bank routing number info

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The Cecilian Bank
GeneralFDIC 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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)147
Total assets$481,197
Cash and due from depository institutions$25,200
Interest-bearing balances$6,397
Federal funds sold & reverse repurchase agreements$14,563
Net loans & leases$294,761
Loan loss allowance $4,482
Trading account assets$0
Bank premises and fixed assets$13,013
Other real estate owned$324
Goodwill and other intangibles$2,277
All other assets$6,192
Life insurance assets$481,197
Total liabilities and capital$432,860
Total liabilities$382,193
Total deposits$347,663
Interest-bearing deposits$382,193
Deposits held in domestic offices$84
% insured (estimated)8021.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$39,594
Other borrowed funds $0
Subordinated debt $3,052
All other liabilities $48,337
Total equity capital$48,337
Total bank equity capital$48,337
Perpetual preferred stock$0
Common stock$100
Undivided profits $13,237
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 $2,050
Earning assets $0
Long-term assets (5+ years) $1,996
Average Assets, year-to-date $440,588
Average Assets, quarterly $225,123
Volatile liabilities $478,936
Insider loans $480,600
FHLB advances $336,178
Loans and leases held for sale $483,020
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $42,415
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $26,462
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $23,507
Total interest expense $7,184
Net interest income $16,323
Provision for loan and lease losses $1,200
Total noninterest income $3,253
Fiduciary activities $0
Service charges on deposit accounts $1,954
Trading account gains & fees $0
Additional noninterest income $1,299
Total noninterest expense $12,794
Salaries and employee benefits $6,142
Premises and equipment expense $1,780
Additional noninterest expense $4,872
Pre-tax net operating income $5,582
Securities gains (losses) $0
Applicable income taxes $1,388
Income before extraordinary items $4,194
Extraordinary gains - net $0
Net income attributable to bank $4,194
Net charge-offs $0
Cash dividends $4,194
Sale, conversion, retirement of capital stock, net $236
Net operating income $900
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 1.64%
Net interest margin 3.73%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 2.92%
Net operating income to assets 0.88%
Return on assets (ROA) 0.88%
Pretax return on assets 1.17%
Return on equity (ROE) 9.21%
Retained earnings to average equity (YTD only) 7.23%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 508.47%
Efficiency ratio28.74%
Assets per employee$60,252
Cash dividends to net income (YTD only)3.27%
Condition Ratios (%)
Loss allowance to loans 21.46%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 218.63%
Noncurrent loans to loans 0.49%
Net loans and leases to deposits0.69%
Net loans and leases to core deposits 77.12%
Equity capital to assets 82.77%
Core capital (leverage) ratio 10.05%
Tier 1 risk-based capital ratio 8.78%
Total risk-based capital ratio 12.62%
Average assets$14
Average earning assets$478,936
Average equity $45,555
Average loans $437,997
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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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