The Sacramento Deposit Bank in Sacramento, Kentucky (KY)
| The Sacramento Deposit Bank | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 11 |
| Total assets | $68,416 |
| Cash and due from depository institutions | $1,617 |
| Interest-bearing balances | $0 |
| Securities | $30,715 |
| Federal funds sold & reverse repurchase agreements | $2,885 |
| Net loans & leases | $31,030 |
| Loan loss allowance | $441 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $572 |
| Other real estate owned | $482 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,115 |
| Life insurance assets | $68,416 |
| Total liabilities and capital | $60,761 |
| Total liabilities | $60,493 |
| Total deposits | $52,553 |
| Interest-bearing deposits | $60,493 |
| Deposits held in domestic offices | $96 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $41 |
| Other borrowed funds | $0 |
| Subordinated debt | $227 |
| All other liabilities | $7,655 |
| Total equity capital | $7,655 |
| Total bank equity capital | $7,655 |
| Perpetual preferred stock | $0 |
| Common stock | $1,200 |
| Surplus | $2,200 |
| Undivided profits | $4,255 |
| Memoranda | |
| 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 | $660 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $380 |
| Average Assets, year-to-date | $64,630 |
| Average Assets, quarterly | $34,352 |
| Volatile liabilities | $65,897 |
| Insider loans | $67,883 |
| FHLB advances | $40,467 |
| Loans and leases held for sale | $68,360 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $7,537 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $2,919 |
| Derivatives | $1,473 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $3,303 |
| Total interest expense | $879 |
| Net interest income | $2,424 |
| Provision for loan and lease losses | $44 |
| Total noninterest income | $240 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $114 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $126 |
| Total noninterest expense | $1,564 |
| Salaries and employee benefits | $817 |
| Premises and equipment expense | $140 |
| Additional noninterest expense | $607 |
| Pre-tax net operating income | $1,056 |
| Securities gains (losses) | $18 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $1,074 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,074 |
| Net charge-offs | $0 |
| Cash dividends | $1,074 |
| Sale, conversion, retirement of capital stock, net | $77 |
| Net operating income | $949 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.28% |
| Cost of funding earning assets | 1.40% |
| Net interest margin | 3.87% |
| Noninterest income to earning assets | 0.38% |
| Noninterest expense to earning assets | 2.50% |
| Net operating income to assets | 1.60% |
| Return on assets (ROA) | 1.63% |
| Pretax return on assets | 1.63% |
| Return on equity (ROE) | 13.80% |
| Retained earnings to average equity (YTD only) | 1.61% |
| Net charge-offs to loans | 0.24% |
| Credit loss provision to net charge-offs | 57.14% |
| Efficiency ratio | 14.29% |
| Assets per employee | $58,709 |
| Cash dividends to net income (YTD only) | 6.22% |
| Condition Ratios (%) | |
| Loss allowance to loans | 88.36% |
| Loss allowance to noncurrent loans | 1.40% |
| Noncurrent assets plus other real estate owned to assets | 66.82% |
| Noncurrent loans to loans | 1.67% |
| Net loans and leases to deposits | 2.10% |
| Net loans and leases to core deposits | 51.30% |
| Equity capital to assets | 54.80% |
| Core capital (leverage) ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.03% |
| Total risk-based capital ratio | 18.63% |
| Memoranda | |
| Average assets | $20 |
| Average earning assets | $65,897 |
| Average equity | $7,784 |
| Average loans | $62,566 |
| 1 Kentucky Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 5578 | The Sacramento Deposit Bank | 335 Main Street, Sacramento, KY 42372 | January 01, 1895 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.