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

This bank is inactive as of December 31, 1998

  • Citizens Bank of Kentucky in Madisonville, Kentucky (KY)
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Citizens Bank of Kentucky - Overview

  • General
  • FDIC Certificate #: 10139
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Fifth Third Bank, Indiana (#8164)
    Federal Reserve ID: 329644
    Date Established: January 01, 1929
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Interstate: No)
    OTS Docket #: 13247
    FDIC's unique #: 6489
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 1998
    Last Structure Change Process Date: Febuary 04, 1999
    Last Data Update: Febuary 04, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 149 South Main Street, Madisonville, KY 42431
    County: Hopkins
    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
    Core Based Statistical Area (CBSA): Madisonville, KY (#31580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $790.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 354Total employees (full-time equivalent)
  • $733,995Total assets
  • $11,629Cash and due from depository institutions
  • $2Interest-bearing balances
  • $239,884Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $450,044Net loans & leases
  • $6,910Loan loss allowance
  • $0Trading account assets
  • $12,348Bank premises and fixed assets
  • $343Other real estate owned
  • $12,412Goodwill and other intangibles
  • $0Life insurance assets
  • $7,335All other assets
  • $733,995Total liabilities and capital
  • $671,562Total liabilities
  • $433,691Total deposits
  • $384,222Interest-bearing deposits
  • $433,691Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $171,536Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $58,685Other borrowed funds
  • $0Subordinated debt
  • $7,650All other liabilities
  • $62,433Total equity capital
  • $62,433Total bank equity capital
  • $62,433Perpetual preferred stock
  • $0Common stock
  • $290Surplus
  • $30,201Undivided profits
  • Memoranda
  • $31,942Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,864Earning assets
  • $0Long-term assets (5+ years)
  • $3,262Average Assets, year-to-date
  • $689,930Average Assets, quarterly
  • $290,515Volatile liabilities
  • $694,854Insider loans
  • $721,734FHLB advances
  • $219,044Loans and leases held for sale
  • $11,879Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,370Total risk weighted assets
  • $51,448Total unused commitments
  • $0Restructured Loans and leases
  • $493,654Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $61,303Total interest income
  • $28,878Total interest expense
  • $32,425Net interest income
  • $4,359Provision for loan and lease losses
  • $7,843Total noninterest income
  • $0Fiduciary activities
  • $2,735Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,108Additional noninterest income
  • $25,541Total noninterest expense
  • $12,026Salaries and employee benefits
  • $3,146Premises and equipment expense
  • $10,369Additional noninterest expense
  • $10,368Pre-tax net operating income
  • $188Securities gains (losses)
  • $3,287Applicable income taxes
  • $7,269Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,269Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3,067Sale, conversion, retirement of capital stock, net
  • $3,809Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.38%Yield on earning assets
  • 4.42%Cost of funding earning assets
  • 4.96%Net interest margin
  • 1.20%Noninterest income to earning assets
  • 3.91%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 12.13%Return on equity (ROE)
  • 5.77%Retained earnings to average equity (YTD only)
  • 0.75%Net charge-offs to loans
  • 142.13%Credit loss provision to net charge-offs
  • 4.80%Efficiency ratio
  • 60,909Assets per employee
  • 2.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.40%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 241.27%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 103.77%Net loans and leases to core deposits
  • 104.22%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 6.96%Tier 1 risk-based capital ratio
  • 10.08%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $694,854Average earning assets
  • $59,921Average equity
  • $653,428Average loans

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