United Citizens Bank of Southern Kentucky in Columbia, Kentucky (KY)



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United Citizens Bank of Southern Kentucky routing number info

Table of contents:
United Citizens Bank of Southern Kentucky
GeneralFDIC Certificate #: 57867
Status: Active
Federal Reserve ID: 3306598
Bank Holding Company (Regulatory Top Holder): United Citizens Bancorp, Inc. (RSSDID: 3370085, Location: Columbia, KY)
Date Established: December 06, 2004
WWW: http://www.ucbsky.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 428531
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: Commercial Lending Specialization
Date of Deposit Insurance: December 06, 2004
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: 700 Jamestown Street, Columbia, KY 42728
County: Adair
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: $137.0 mil
Equity capital: $13.9 mil
Deposits held in domestic offices: $114.5 mil
Return on assets (ROA): 0.82% ($1.1 mil)
Quarterly return on assets: 0.63% ($0.9 mil)
Return on Equity (ROE): 8.45% ($1.2 mil)
Quarterly return on equity: 6.27% ($0.9 mil)
Net income: $1.1 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.23% ($1,684.7 mil)
Quarterly Pretax return on assets: 0.96% ($1,314.9 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)45
Total assets$136,970
Cash and due from depository institutions$2,912
Interest-bearing balances$639
Securities$14,479
Federal funds sold & reverse repurchase agreements$4,260
Net loans & leases$108,086
Loan loss allowance $2,237
Trading account assets$0
Bank premises and fixed assets$3,709
Other real estate owned$915
Goodwill and other intangibles$0
All other assets$2,609
Life insurance assets$136,970
Total liabilities and capital$123,053
Total liabilities$114,477
Total deposits$104,195
Interest-bearing deposits$114,477
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$8,000
Other borrowed funds $0
Subordinated debt $576
All other liabilities $13,917
Total equity capital$13,917
Total bank equity capital$13,917
Perpetual preferred stock$0
Common stock$6,000
Surplus$6,000
Undivided profits $1,917
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 $3,829
Earning assets $0
Long-term assets (5+ years) $1,115
Average Assets, year-to-date $127,464
Average Assets, quarterly $20,257
Volatile liabilities $135,870
Insider loans $137,255
FHLB advances $103,026
Loans and leases held for sale $137,639
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $13,766
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,873
Derivatives$3,038
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,351
Total interest expense $2,169
Net interest income $5,182
Provision for loan and lease losses $240
Total noninterest income $689
Fiduciary activities $0
Service charges on deposit accounts $600
Trading account gains & fees $0
Additional noninterest income $89
Total noninterest expense $3,962
Salaries and employee benefits $1,861
Premises and equipment expense $540
Additional noninterest expense $1,561
Pre-tax net operating income $1,669
Securities gains (losses) $0
Applicable income taxes $549
Income before extraordinary items $1,120
Extraordinary gains - net $0
Net income attributable to bank $1,120
Net charge-offs $0
Cash dividends $1,120
Sale, conversion, retirement of capital stock, net $314
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.85%
Cost of funding earning assets 1.73%
Net interest margin 4.12%
Noninterest income to earning assets 0.55%
Noninterest expense to earning assets 3.15%
Net operating income to assets 0.82%
Return on assets (ROA) 0.82%
Pretax return on assets 1.23%
Return on equity (ROE) 8.45%
Retained earnings to average equity (YTD only) 8.45%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 76.43%
Efficiency ratio6.08%
Assets per employee$67,484
Cash dividends to net income (YTD only)3.04%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.03%
Noncurrent assets plus other real estate owned to assets 58.42%
Noncurrent loans to loans 3.46%
Net loans and leases to deposits3.47%
Net loans and leases to core deposits 94.42%
Equity capital to assets 99.72%
Core capital (leverage) ratio 10.16%
Tier 1 risk-based capital ratio 10.00%
Total risk-based capital ratio 13.36%
Memoranda
Average assets$15
Average earning assets$135,870
Average equity $13,255
Average loans $125,684
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4 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0428531United Citizens Bank Of Southern Ken700 Jamestown Street, Columbia, KY 42728December 06, 2004Full Service Brick and Mortar
1460598Columbia Branch1582 Campbellsville Road, Columbia, KY 42728January 08, 2007Full Service Brick and Mortar
2475476Campbellsville By-Pass Branch294 Campbellsville Bypass, Campbellsville, KY 42718March 17, 2008Full Service Brick and Mortar
3490047Russell Springs Branch2261 South Highway 127, Russell Springs, KY 42642April 15, 2009Full Service Brick and Mortar
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