Citizens Bank of Henderson County in Henderson, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 18, 1993

Citizens Bank of Henderson County in Henderson, Kentucky (KY)
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Citizens Bank of Henderson County - Overview

General
FDIC Certificate #: 17538
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Citizens Bank of Kentucky, National Association (#2749)
Federal Reserve ID: 910846
Date Established: January 02, 1956
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 11513
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 02, 1956
Last Structure Change Effective Date: June 18, 1993
Last Structure Change Process Date: July 14, 1993
Last Data Update: July 14, 1993
Data Source Date: April 05, 2012
Location
Address: 2600 Second Street, Henderson, KY 42420
County: Henderson
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
Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
Financial Summary
Total assets: $29.7 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$18Total assets
$26,223Cash and due from depository institutions
$2,916Interest-bearing balances
$1,485Securities
$11,116Federal funds sold & reverse repurchase agreements
$750Net loans & leases
$9,347Loan loss allowance
$337Trading account assets
$0Bank premises and fixed assets
$703Other real estate owned
$0Goodwill and other intangibles
$467Life insurance assets
$924All other assets
$0Total liabilities and capital
$26,223Total liabilities
$23,195Total deposits
$22,223Interest-bearing deposits
$19,083Deposits held in domestic offices
22223.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$586Subordinated debt
$0All other liabilities
$386Total equity capital
$386Total bank equity capital
$3,028Perpetual preferred stock
$0Common stock
$60Surplus
$3,036Undivided profits
Memoranda
$-68Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$214Income earned, not collected on loans
$241Earning assets
$22,698Long-term assets (5+ years)
$3,455Average Assets, year-to-date
$25,933Average Assets, quarterly
$26,529Volatile liabilities
$2,750Insider loans
$0FHLB advances
$0Loans and leases held for sale
$50Unused loan commitments
$546Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,104Total risk weighted assets
$11,346Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$1,835Total interest expense
$918Net interest income
$917Provision for loan and lease losses
$137Total noninterest income
$357Fiduciary activities
$0Service charges on deposit accounts
$149Trading account gains & fees
$0Additional noninterest income
$208Total noninterest expense
$1,060Salaries and employee benefits
$440Premises and equipment expense
$103Additional noninterest expense
$517Pre-tax net operating income
$77Securities gains (losses)
$0Applicable income taxes
$53Income before extraordinary items
$24Extraordinary gains - net
$0Net income attributable to bank
$24Net charge-offs
$236Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.07%Cost of funding earning assets
4.04%Net interest margin
4.03%Noninterest income to earning assets
1.57%Noninterest expense to earning assets
4.66%Net operating income to assets
0.09%Return on assets (ROA)
0.09%Pretax return on assets
0.30%Return on equity (ROE)
0.79%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
2.28%Credit loss provision to net charge-offs
58.05%Efficiency ratio
77,002Assets per employee
1.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.48%Loss allowance to noncurrent loans
157.48%Noncurrent assets plus other real estate owned to assets
0.82%Noncurrent loans to loans
2.21%Net loans and leases to deposits
42.06%Net loans and leases to core deposits
48.00%Equity capital to assets
11.55%Core capital (leverage) ratio
8.17%Tier 1 risk-based capital ratio
18.54%Total risk-based capital ratio
Memoranda
$20Average assets
$25,933Average earning assets
$3,019Average equity
$22,735Average loans

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