The Sacramento Deposit Bank in Sacramento, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Sacramento Deposit Bank - Overview

  • General
  • FDIC Certificate #: 8762
    Status: Active
    Federal Reserve ID: 180144
    Bank Holding Company (Regulatory Top Holder): Sacramento Bancorp (RSSDID: 1133923, Location: Sacramento, KY)
    Date Established: January 01, 1895
    WWW: http://www.sdbweb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15338
    FDIC's unique #: 5578
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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
  • Location
  • Address: 335 Main Street, Sacramento, KY 42372
    County: Mclean
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
    CBSA Metro Statistical Area: Owensboro, KY (#36980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $68.4 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $60.5 mil
    Return on assets (ROA): 1.63% ($1.1 mil)
    Quarterly return on assets: 1.48% ($1.0 mil)
    Return on Equity (ROE): 13.80% ($1.1 mil)
    Quarterly return on equity: 12.69% ($1.0 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.63% ($1,115.2 mil)
    Quarterly Pretax return on assets: 1.48% ($1,012.6 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
  • 11Total employees (full-time equivalent)
  • $68,416Total assets
  • $1,617Cash and due from depository institutions
  • $0Interest-bearing balances
  • $30,715Securities
  • $2,885Federal funds sold & reverse repurchase agreements
  • $31,030Net loans & leases
  • $441Loan loss allowance
  • $0Trading account assets
  • $572Bank premises and fixed assets
  • $482Other real estate owned
  • $0Goodwill and other intangibles
  • $68,416Life insurance assets
  • $1,115All other assets
  • $60,761Total liabilities and capital
  • $60,493Total liabilities
  • $52,553Total deposits
  • $60,493Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $41Trading liabilities
  • $0Other borrowed funds
  • $227Subordinated debt
  • $7,655All other liabilities
  • $7,655Total equity capital
  • $7,655Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $2,200Surplus
  • $4,255Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $660Income earned, not collected on loans
  • $0Earning assets
  • $380Long-term assets (5+ years)
  • $64,630Average Assets, year-to-date
  • $34,352Average Assets, quarterly
  • $65,897Volatile liabilities
  • $67,883Insider loans
  • $40,467FHLB advances
  • $68,360Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,537Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,919Restructured Loans and leases
  • $1,473Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,303Total interest income
  • $879Total interest expense
  • $2,424Net interest income
  • $44Provision for loan and lease losses
  • $240Total noninterest income
  • $0Fiduciary activities
  • $114Service charges on deposit accounts
  • $0Trading account gains & fees
  • $126Additional noninterest income
  • $1,564Total noninterest expense
  • $817Salaries and employee benefits
  • $140Premises and equipment expense
  • $607Additional noninterest expense
  • $1,056Pre-tax net operating income
  • $18Securities gains (losses)
  • $0Applicable income taxes
  • $1,074Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,074Net income attributable to bank
  • $0Net charge-offs
  • $1,074Cash dividends
  • $77Sale, conversion, retirement of capital stock, net
  • $949Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.50%Noninterest expense to earning assets
  • 1.60%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 13.80%Return on equity (ROE)
  • 1.61%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 57.14%Credit loss provision to net charge-offs
  • 14.29%Efficiency ratio
  • 58,709Assets per employee
  • 6.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.36%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 66.82%Noncurrent assets plus other real estate owned to assets
  • 1.67%Noncurrent loans to loans
  • 2.10%Net loans and leases to deposits
  • 51.30%Net loans and leases to core deposits
  • 54.80%Equity capital to assets
  • 11.19%Core capital (leverage) ratio
  • 11.03%Tier 1 risk-based capital ratio
  • 18.63%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $65,897Average earning assets
  • $7,784Average equity
  • $62,566Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05578The Sacramento Deposit Bank335 Main Street, Sacramento, KY 42372January 01, 1895Full Service Brick and Mortar

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