The Citizens National Bank of Lebanon in Lebanon, Kentucky (KY)

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The Citizens National Bank of Lebanon routing number info

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The Citizens National Bank of Lebanon
GeneralFDIC Certificate #: 2753
Status: Active
Federal Reserve ID: 641449
Bank Holding Company (Regulatory Top Holder): Cnb Of Lebanon Bancorp, Inc. (RSSDID: 1098639, Location: Lebanon, KY)
Date Established: January 01, 1889
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 9453
FDIC's unique #: 1791
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
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: 149 West Main Street, Lebanon, KY 40033
County: Marion
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: $112.8 mil
Equity capital: $11.2 mil
Deposits held in domestic offices: $91.7 mil
Return on assets (ROA): 0.99% ($1.1 mil)
Quarterly return on assets: 0.78% ($0.9 mil)
Return on Equity (ROE): 9.79% ($1.1 mil)
Quarterly return on equity: 7.52% ($0.8 mil)
Net income: $1.1 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.99% ($1,116.3 mil)
Quarterly Pretax return on assets: 0.78% ($879.5 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)30
Total assets$112,754
Cash and due from depository institutions$2,043
Interest-bearing balances$419
Federal funds sold & reverse repurchase agreements$3,032
Net loans & leases$33,071
Loan loss allowance $471
Trading account assets$0
Bank premises and fixed assets$1,327
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$4,696
Life insurance assets$112,754
Total liabilities and capital$101,600
Total liabilities$91,701
Total deposits$77,861
Interest-bearing deposits$91,701
Deposits held in domestic offices$85
% insured (estimated)537.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,770
Other borrowed funds $0
Subordinated debt $1,592
All other liabilities $11,154
Total equity capital$11,154
Total bank equity capital$11,154
Perpetual preferred stock$0
Common stock$250
Undivided profits $10,654
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 $308
Earning assets $0
Long-term assets (5+ years) $857
Average Assets, year-to-date $105,107
Average Assets, quarterly $26,604
Volatile liabilities $112,494
Insider loans $110,634
FHLB advances $59,396
Loans and leases held for sale $113,090
Unused loan commitments $2,620
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,194
Total risk weighted assets $2,620
Total unused commitments $0
Restructured Loans and leases $2,249
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,504
Total interest expense $1,218
Net interest income $3,286
Provision for loan and lease losses $70
Total noninterest income $728
Fiduciary activities $22
Service charges on deposit accounts $493
Trading account gains & fees $0
Additional noninterest income $213
Total noninterest expense $2,884
Salaries and employee benefits $1,684
Premises and equipment expense $358
Additional noninterest expense $842
Pre-tax net operating income $1,060
Securities gains (losses) $57
Applicable income taxes $0
Income before extraordinary items $1,117
Extraordinary gains - net $0
Net income attributable to bank $1,117
Net charge-offs $0
Cash dividends $1,117
Sale, conversion, retirement of capital stock, net $28
Net operating income $1,110
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.30%
Cost of funding earning assets 1.16%
Net interest margin 3.13%
Noninterest income to earning assets 0.69%
Noninterest expense to earning assets 2.75%
Net operating income to assets 0.94%
Return on assets (ROA) 0.99%
Pretax return on assets 0.99%
Return on equity (ROE) 9.79%
Retained earnings to average equity (YTD only) 0.06%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 250.00%
Efficiency ratio40.36%
Assets per employee$71,849
Cash dividends to net income (YTD only)3.76%
Condition Ratios (%)
Loss allowance to loans 99.37%
Loss allowance to noncurrent loans 1.40%
Noncurrent assets plus other real estate owned to assets 152.92%
Noncurrent loans to loans 0.27%
Net loans and leases to deposits0.92%
Net loans and leases to core deposits 36.06%
Equity capital to assets 36.91%
Core capital (leverage) ratio 9.89%
Tier 1 risk-based capital ratio 9.90%
Total risk-based capital ratio 18.85%
Average assets$20
Average earning assets$112,494
Average equity $11,411
Average loans $104,845
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$11,549
Number of Accounts1
Personal trust and agency accounts$11,436
Employee benefit-defined contribution accounts$10,022
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,414
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts37
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$113
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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1 Kentucky Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01791The Citizens National Bank Of Lebano149 West Main Street, Lebanon, KY 40033January 01, 1889Full Service Brick and Mortar
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