Central Kentucky Federal Savings Bank in Danville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Central Kentucky Federal Savings Bank in Danville, Kentucky (KY)
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Central Kentucky Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 31156
    Status: Active
    Federal Reserve ID: 633275
    Date Established: January 01, 1886
    WWW: http://www.centralkyfsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 6466
    FDIC's unique #: 43990
    Numeric code: 33
    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: December 14, 1960
    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: 340 W Main St, Danville, KY 40422
    County: Boyle
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Danville, KY (#19220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $127.0 mil
    Equity capital: $12.7 mil
    Deposits held in domestic offices: $100.8 mil
    Return on assets (ROA): -0.54% (-$0.7 mil)
    Quarterly return on assets: -2.99% (-$3.8 mil)
    Return on Equity (ROE): -5.22% (-$0.7 mil)
    Quarterly return on equity: -29.36% (-$3.8 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$1.0 mil
    Pretax return on assets: -0.37% (-$469.7 mil)
    Quarterly Pretax return on assets: -2.78% (-$3,529.3 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
  • 27Total employees (full-time equivalent)
  • $126,952Total assets
  • $2,371Cash and due from depository institutions
  • $1,632Interest-bearing balances
  • $11,401Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $106,915Net loans & leases
  • $1,303Loan loss allowance
  • $0Trading account assets
  • $1,736Bank premises and fixed assets
  • $1,075Other real estate owned
  • $0Goodwill and other intangibles
  • $126,952Life insurance assets
  • $3,454All other assets
  • $114,274Total liabilities and capital
  • $100,838Total liabilities
  • $99,218Total deposits
  • $100,838Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,000Trading liabilities
  • $0Other borrowed funds
  • $436Subordinated debt
  • $12,678All other liabilities
  • $12,678Total equity capital
  • $12,678Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $5,690Surplus
  • $6,987Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,811Income earned, not collected on loans
  • $0Earning assets
  • $556Long-term assets (5+ years)
  • $119,948Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $129,943Volatile liabilities
  • $129,028Insider loans
  • $77,074FHLB advances
  • $126,952Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,678Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,028Restructured Loans and leases
  • $372Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,375Total interest income
  • $1,987Total interest expense
  • $4,388Net interest income
  • $725Provision for loan and lease losses
  • $91Total noninterest income
  • $0Fiduciary activities
  • $149Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$58Additional noninterest income
  • $4,240Total noninterest expense
  • $1,828Salaries and employee benefits
  • $569Premises and equipment expense
  • $1,843Additional noninterest expense
  • -$486Pre-tax net operating income
  • $0Securities gains (losses)
  • $210Applicable income taxes
  • -$696Income before extraordinary items
  • $0Extraordinary gains - net
  • -$696Net income attributable to bank
  • $0Net charge-offs
  • -$696Cash dividends
  • $655Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 1.63%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • -0.54%Net operating income to assets
  • -0.54%Return on assets (ROA)
  • -0.37%Pretax return on assets
  • -5.22%Return on equity (ROE)
  • -5.22%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 110.69%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 70,105Assets per employee
  • 4.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 34.19%Noncurrent assets plus other real estate owned to assets
  • 3.85%Noncurrent loans to loans
  • 3.52%Net loans and leases to deposits
  • 106.03%Net loans and leases to core deposits
  • 109.07%Equity capital to assets
  • 9.99%Core capital (leverage) ratio
  • 9.99%Tier 1 risk-based capital ratio
  • 16.45%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $129,943Average earning assets
  • $13,334Average equity
  • $121,728Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    043990Central Kentucky Federal Savings Ban340 W Main St, Danville, KY 40422January 01, 1886Full Service Brick and Mortar
    1359149Danville Branch120 Skywatch Drive, Danville, KY 40422June 14, 2000Full Service Brick and Mortar
    244320First Lancaster Federal Savings Bank208 Lexington Street, Lancaster, KY 40444January 01, 1873Full Service Brick and Mortar

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