FDIC Certificate #: 29774 Status: Active Federal Reserve ID: 219679 Date Established: January 01, 1890 WWW:http://www.carrolltonfederal.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 4069 FDIC's unique #: 42608 Numeric code: 38 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: May 26, 1937 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 2539 Highway 227, Carrollton, KY 41008 County: Carroll 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 Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $35.6 mil Equity capital: $4.3 mil Deposits held in domestic offices: $27.2 mil Return on assets (ROA): 0.51% ($0.2 mil) Quarterly return on assets: 0.03% ($0.0 mil) Return on Equity (ROE): 4.33% ($0.2 mil) Quarterly return on equity: 0.28% ($0.0 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.63% ($224.0 mil) Quarterly Pretax return on assets: 0.02% ($7.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$35,552Total assets
$2,018Cash and due from depository institutions
$1,527Interest-bearing balances
$5,730Securities
$0Federal funds sold & reverse repurchase agreements
$25,118Net loans & leases
$332Loan loss allowance
$0Trading account assets
$985Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$35,552Life insurance assets
$1,701All other assets
$31,241Total liabilities and capital
$27,197Total liabilities
$25,573Total deposits
$27,197Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,890Trading liabilities
$0Other borrowed funds
$154Subordinated debt
$4,311All other liabilities
$4,311Total equity capital
$4,311Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$4,311Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$594Income earned, not collected on loans
$0Earning assets
$194Long-term assets (5+ years)
$32,375Average Assets, year-to-date
$0Average Assets, quarterly
$36,245Volatile liabilities
$36,122Insider loans
$20,464FHLB advances
$35,382Loans and leases held for sale
$847Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,150Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$670Restructured Loans and leases
$359Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,795Total interest income
$464Total interest expense
$1,331Net interest income
$47Provision for loan and lease losses
$237Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$237Additional noninterest income
$1,292Total noninterest expense
$664Salaries and employee benefits
$239Premises and equipment expense
$389Additional noninterest expense
$229Pre-tax net operating income
$0Securities gains (losses)
$45Applicable income taxes
$184Income before extraordinary items
$0Extraordinary gains - net
$184Net income attributable to bank
$0Net charge-offs
$184Cash dividends
-$18Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.43%Yield on earning assets
1.40%Cost of funding earning assets
4.02%Net interest margin
0.72%Noninterest income to earning assets
3.90%Noninterest expense to earning assets
0.51%Net operating income to assets
0.51%Return on assets (ROA)
0.63%Pretax return on assets
4.33%Return on equity (ROE)
4.33%Retained earnings to average equity (YTD only)
-0.07%Net charge-offs to loans
-261.11%Credit loss provision to net charge-offs
0.00%Efficiency ratio
82,398Assets per employee
4.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
55.89%Noncurrent assets plus other real estate owned to assets
1.67%Noncurrent loans to loans
2.33%Net loans and leases to deposits
92.36%Net loans and leases to core deposits
92.36%Equity capital to assets
12.13%Core capital (leverage) ratio
11.73%Tier 1 risk-based capital ratio
20.28%Total risk-based capital ratio
Memoranda
$22Average assets
$36,245Average earning assets
$4,248Average equity
$33,086Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42608
Carrollton Federal Bank
2539 Highway 227, Carrollton, KY 41008
January 01, 1890
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Carrollton Federal Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: