Citizens Deposit Bank in Calhoun, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 2000

Citizens Deposit Bank in Calhoun, Kentucky (KY)
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Citizens Deposit Bank - Overview

General
FDIC Certificate #: 265
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Area Bank (#18478)
Federal Reserve ID: 828549
Date Established: January 01, 1903
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 13286
FDIC's unique #: 212
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 01, 1934
Last Structure Change Effective Date: October 02, 2000
Last Structure Change Process Date: December 05, 2000
Last Data Update: December 05, 2000
Data Source Date: April 05, 2012
Location
Address: 100 Main Street, Calhoun, KY 42327
County: Mclean
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Dallas
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
CBSA Metro Statistical Area: Owensboro, KY (#36980)
Financial Summary
Total assets: $40.5 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
11Total employees (full-time equivalent)
$44,903Total assets
$1,016Cash and due from depository institutions
$43Interest-bearing balances
$11,342Securities
$0Federal funds sold & reverse repurchase agreements
$29,339Net loans & leases
$451Loan loss allowance
$0Trading account assets
$474Bank premises and fixed assets
$0Other real estate owned
$1,922Goodwill and other intangibles
$0Life insurance assets
$810All other assets
$44,903Total liabilities and capital
$39,214Total liabilities
$30,900Total deposits
$27,459Interest-bearing deposits
$30,900Deposits held in domestic offices
0.00%% insured (estimated)
$3,975Federal funds purchased & repurchase agreements
$0Trading liabilities
$4,089Other borrowed funds
$0Subordinated debt
$250All other liabilities
$5,689Total equity capital
$5,689Total bank equity capital
$5,689Perpetual preferred stock
$0Common stock
$50Surplus
$5,415Undivided profits
Memoranda
$224Noncurrent loans and leases
$1,548Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7Earning assets
$0Long-term assets (5+ years)
$578Average Assets, year-to-date
$40,724Average Assets, quarterly
$7,956Volatile liabilities
$41,791Insider loans
$42,953FHLB advances
$8,628Loans and leases held for sale
$376Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,548Total unused commitments
$0Restructured Loans and leases
$399Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$2,962Total interest income
$1,283Total interest expense
$1,679Net interest income
$0Provision for loan and lease losses
$219Total noninterest income
$0Fiduciary activities
$161Service charges on deposit accounts
$0Trading account gains & fees
$58Additional noninterest income
$1,185Total noninterest expense
$450Salaries and employee benefits
$86Premises and equipment expense
$649Additional noninterest expense
$713Pre-tax net operating income
$0Securities gains (losses)
$318Applicable income taxes
$395Income before extraordinary items
$0Extraordinary gains - net
$395Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$12Sale, conversion, retirement of capital stock, net
$610Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.85%Yield on earning assets
3.40%Cost of funding earning assets
4.45%Net interest margin
0.58%Noninterest income to earning assets
3.14%Noninterest expense to earning assets
0.95%Net operating income to assets
0.95%Return on assets (ROA)
1.71%Pretax return on assets
6.88%Return on equity (ROE)
-3.74%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
59.42%Efficiency ratio
45,311Assets per employee
4.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
154.43%Loss allowance to loans
1.51%Loss allowance to noncurrent loans
6442.86%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.02%Net loans and leases to deposits
94.95%Net loans and leases to core deposits
102.06%Equity capital to assets
12.67%Core capital (leverage) ratio
9.44%Tier 1 risk-based capital ratio
11.95%Total risk-based capital ratio
Memoranda
$13Average assets
$41,791Average earning assets
$5,745Average equity
$37,713Average loans

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