Citizens Deposit Bank of Arlington, Inc. in city_name, state_name

Citizens Deposit Bank of Arlington, Inc. in Arlington, Kentucky (KY)
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Citizens Deposit Bank of Arlington, Inc. routing number info

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Citizens Deposit Bank of Arlington, Inc. - Overview

General
FDIC Certificate #: 16852
Status: Active
Federal Reserve ID: 959443
Bank Holding Company (Regulatory Top Holder): Carlisle Bancorp, Inc. (RSSDID: 1100318, Location: Arlington, KY)
Date Established: December 01, 1949
WWW: http://www.cdbky.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 9732
FDIC's unique #: 10951
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: December 01, 1949
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 1 Walnut Street, Arlington, KY 42021
County: Carlisle
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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $178.7 mil
Equity capital: $21.0 mil
Deposits held in domestic offices: $128.4 mil
Return on assets (ROA): 2.01% ($3.6 mil)
Quarterly return on assets: 2.10% ($3.8 mil)
Return on Equity (ROE): 17.23% ($3.6 mil)
Quarterly return on equity: 17.49% ($3.7 mil)
Net income: $3.5 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 2.01% ($3,592.5 mil)
Quarterly Pretax return on assets: 2.10% ($3,753.3 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
35Total employees (full-time equivalent)
$178,730Total assets
$5,061Cash and due from depository institutions
$2,117Interest-bearing balances
$66,535Securities
$1,356Federal funds sold & reverse repurchase agreements
$100,757Net loans & leases
$2,209Loan loss allowance
$0Trading account assets
$1,046Bank premises and fixed assets
$271Other real estate owned
$0Goodwill and other intangibles
$178,730Life insurance assets
$3,704All other assets
$157,720Total liabilities and capital
$128,386Total liabilities
$117,515Total deposits
$128,386Interest-bearing deposits
$67Deposits held in domestic offices
809.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$27,954Trading liabilities
$0Other borrowed funds
$571Subordinated debt
$21,010All other liabilities
$21,010Total equity capital
$21,010Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$8,940Surplus
$12,010Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$434Income earned, not collected on loans
$0Earning assets
$1,437Long-term assets (5+ years)
$170,765Average Assets, year-to-date
$57,702Average Assets, quarterly
$173,950Volatile liabilities
$175,538Insider loans
$112,523FHLB advances
$177,285Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,991Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,193Restructured Loans and leases
$102Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,760Total interest income
$3,346Total interest expense
$6,414Net interest income
$310Provision for loan and lease losses
$671Total noninterest income
$0Fiduciary activities
$442Service charges on deposit accounts
$0Trading account gains & fees
$229Additional noninterest income
$3,316Total noninterest expense
$1,867Salaries and employee benefits
$173Premises and equipment expense
$1,276Additional noninterest expense
$3,459Pre-tax net operating income
$46Securities gains (losses)
$0Applicable income taxes
$3,505Income before extraordinary items
$0Extraordinary gains - net
$3,505Net income attributable to bank
$0Net charge-offs
$3,505Cash dividends
$297Sale, conversion, retirement of capital stock, net
$1,882Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.87%Yield on earning assets
2.01%Cost of funding earning assets
3.86%Net interest margin
0.40%Noninterest income to earning assets
1.99%Noninterest expense to earning assets
1.99%Net operating income to assets
2.01%Return on assets (ROA)
2.01%Pretax return on assets
17.23%Return on equity (ROE)
7.98%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
104.38%Credit loss provision to net charge-offs
12.69%Efficiency ratio
46,803Assets per employee
5.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.69%Loss allowance to loans
2.15%Loss allowance to noncurrent loans
508.99%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.42%Net loans and leases to deposits
78.48%Net loans and leases to core deposits
121.72%Equity capital to assets
11.76%Core capital (leverage) ratio
11.28%Tier 1 risk-based capital ratio
17.77%Total risk-based capital ratio
Memoranda
$19Average assets
$173,950Average earning assets
$20,340Average equity
$166,234Average loans

List of branches

2 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	10951	Citizens Deposit Bank Of Arlington, Inc.	1 Walnut Street, Arlington, KY 42021	December 01, 1949	Full Service Brick and Mortar
1	239021	Bardwell Branch	Highway 62 East, Bardwell, KY 42023	June 08, 1998	Full Service Brick and Mortar

Citizens Deposit Bank of Arlington, Inc. in Arlington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Deposit Bank of Arlington, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens Deposit Bank of Arlington, Inc. in Arlington, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

Citizens Deposit Bank of Arlington, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Citizens Deposit Bank of Arlington, Inc. in Arlington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches