The Citizens Bank and Trust Company of Grayson County in Leitchfield, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 20, 2001

  • The Citizens Bank and Trust Company of Grayson County in Leitchfield, Kentucky (KY)
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The Citizens Bank and Trust Company of Grayson County - Overview

  • General
  • FDIC Certificate #: 8115
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Wilson & Muir Bank & Trust Company (#17040)
    Federal Reserve ID: 771841
    Date Established: Febuary 02, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 13218
    FDIC's unique #: 5165
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 20, 2001
    Last Structure Change Process Date: August 06, 2001
    Last Data Update: August 06, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 118 South Main Street, Leitchfield, KY 42754
    County: Grayson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $76.2 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $77,118Total assets
  • $3,652Cash and due from depository institutions
  • $0Interest-bearing balances
  • $17,889Securities
  • $11,015Federal funds sold & reverse repurchase agreements
  • $43,218Net loans & leases
  • $878Loan loss allowance
  • $0Trading account assets
  • $650Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $694All other assets
  • $77,118Total liabilities and capital
  • $65,948Total liabilities
  • $64,785Total deposits
  • $51,314Interest-bearing deposits
  • $64,785Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $805Other borrowed funds
  • $0Subordinated debt
  • $358All other liabilities
  • $11,170Total equity capital
  • $11,170Total bank equity capital
  • $11,170Perpetual preferred stock
  • $0Common stock
  • $1,540Surplus
  • $2,924Undivided profits
  • Memoranda
  • $6,706Noncurrent loans and leases
  • $3,900Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $576Earning assets
  • $0Long-term assets (5+ years)
  • $384Average Assets, year-to-date
  • $72,122Average Assets, quarterly
  • $6,942Volatile liabilities
  • $72,346Insider loans
  • $75,839FHLB advances
  • $1,694Loans and leases held for sale
  • $86Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,900Total unused commitments
  • $0Restructured Loans and leases
  • $568Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $5,828Total interest income
  • $1,916Total interest expense
  • $3,912Net interest income
  • $150Provision for loan and lease losses
  • $523Total noninterest income
  • $0Fiduciary activities
  • $383Service charges on deposit accounts
  • $0Trading account gains & fees
  • $140Additional noninterest income
  • $1,954Total noninterest expense
  • $1,062Salaries and employee benefits
  • $186Premises and equipment expense
  • $706Additional noninterest expense
  • $2,331Pre-tax net operating income
  • $4Securities gains (losses)
  • $0Applicable income taxes
  • $2,335Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,335Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $2,215Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.72%Yield on earning assets
  • 2.87%Cost of funding earning assets
  • 5.85%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 3.22%Net operating income to assets
  • 3.23%Return on assets (ROA)
  • 3.23%Pretax return on assets
  • 22.28%Return on equity (ROE)
  • 1.14%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 166.67%Credit loss provision to net charge-offs
  • 27.57%Efficiency ratio
  • 43,968Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.86%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 152.43%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 66.71%Net loans and leases to core deposits
  • 68.50%Equity capital to assets
  • 14.48%Core capital (leverage) ratio
  • 14.58%Tier 1 risk-based capital ratio
  • 24.59%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $72,346Average earning assets
  • $10,482Average equity
  • $66,866Average loans

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