United Citizens Bank & Trust Company in Campbellsburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

United Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 15249
    Status: Active
    Federal Reserve ID: 336147
    Bank Holding Company (Regulatory Top Holder): United Citizens Financial Corporation (RSSDID: 1137145, Location: Campbellsburg, KY)
    Date Established: January 01, 1872
    WWW: http://www.unitedcitizensbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 9186
    FDIC's unique #: 9599
    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: All Other Specialization < 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
  • Location
  • Address: 8198 Main Street, Campbellsburg, KY 40011
    County: Henry
    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): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $90.1 mil
    Equity capital: $11.6 mil
    Deposits held in domestic offices: $68.1 mil
    Return on assets (ROA): 1.17% ($1.1 mil)
    Quarterly return on assets: 1.13% ($1.0 mil)
    Return on Equity (ROE): 8.93% ($1.1 mil)
    Quarterly return on equity: 8.66% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.59% ($1,433.1 mil)
    Quarterly Pretax return on assets: 1.58% ($1,424.1 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
  • 36Total employees (full-time equivalent)
  • $90,135Total assets
  • $9,113Cash and due from depository institutions
  • $7,609Interest-bearing balances
  • $22,370Securities
  • $5,464Federal funds sold & reverse repurchase agreements
  • $50,306Net loans & leases
  • $578Loan loss allowance
  • $0Trading account assets
  • $466Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $90,135Life insurance assets
  • $2,416All other assets
  • $78,514Total liabilities and capital
  • $68,125Total liabilities
  • $51,048Total deposits
  • $68,125Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,602Trading liabilities
  • $0Other borrowed funds
  • $787Subordinated debt
  • $11,621All other liabilities
  • $11,621Total equity capital
  • $11,621Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $3,600Surplus
  • $7,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $277Income earned, not collected on loans
  • $0Earning assets
  • $521Long-term assets (5+ years)
  • $85,749Average Assets, year-to-date
  • $35,862Average Assets, quarterly
  • $87,537Volatile liabilities
  • $89,396Insider loans
  • $55,901FHLB advances
  • $88,301Loans and leases held for sale
  • $923Unused loan commitments
  • $923Tier 1 (core) risk-based capital
  • $11,379Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,273Restructured Loans and leases
  • $845Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,040Total interest income
  • $821Total interest expense
  • $3,219Net interest income
  • $2Provision for loan and lease losses
  • $658Total noninterest income
  • $0Fiduciary activities
  • $393Service charges on deposit accounts
  • $0Trading account gains & fees
  • $265Additional noninterest income
  • $2,482Total noninterest expense
  • $1,476Salaries and employee benefits
  • $333Premises and equipment expense
  • $673Additional noninterest expense
  • $1,393Pre-tax net operating income
  • $0Securities gains (losses)
  • $371Applicable income taxes
  • $1,022Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,022Net income attributable to bank
  • $0Net charge-offs
  • $1,022Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 8.93%Return on equity (ROE)
  • 3.69%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 40.00%Credit loss provision to net charge-offs
  • 279.00%Efficiency ratio
  • 64,019Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.71%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 208.66%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 73.84%Net loans and leases to core deposits
  • 75.70%Equity capital to assets
  • 12.89%Core capital (leverage) ratio
  • 12.89%Tier 1 risk-based capital ratio
  • 20.36%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $87,537Average earning assets
  • $11,440Average equity
  • $83,135Average loans

List of branches

  • 5 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09599United Citizens Bank & Trust Company8198 Main Street, Campbellsburg, KY 40011January 01, 1872Full Service Brick and Mortar
    1233542Port Royal Branch8200 Port Royal Road, Port Royal, KY 40058July 01, 1935Full Service Brick and Mortar
    29598New Castle Branch25 South Main Street, New Castle, KY 40050July 01, 1935Full Service Brick and Mortar
    4233543Pendleton Branch7962 Lagrange Road, Pendleton, KY 40055June 10, 1976Full Service Brick and Mortar
    5361692Carrollton Office Branch503 Highland Avenue, Carrollton, KY 41008April 16, 2001Full Service Brick and Mortar

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