FDIC Certificate #: 304 Status: Active Federal Reserve ID: 782548 Bank Holding Company (Regulatory Top Holder): Clinton Bancorp, Inc. (RSSDID: 2266387, Location: Clinton, KY) Date Established: September 01, 1887 WWW:http://www.clintonbankky.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15798 FDIC's unique #: 243 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 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: 220 East Clay Street, Clinton, KY 42031 County: Hickman 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $54.3 mil Equity capital: $9.9 mil Deposits held in domestic offices: $37.8 mil Return on assets (ROA): 1.01% ($0.5 mil) Quarterly return on assets: 1.08% ($0.6 mil) Return on Equity (ROE): 5.51% ($0.6 mil) Quarterly return on equity: 5.81% ($0.6 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.30% ($705.4 mil) Quarterly Pretax return on assets: 1.38% ($748.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$54,264Total assets
$1,775Cash and due from depository institutions
$39Interest-bearing balances
$21,829Securities
$3,245Federal funds sold & reverse repurchase agreements
$26,034Net loans & leases
$445Loan loss allowance
$0Trading account assets
$373Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$54,264Life insurance assets
$1,008All other assets
$44,385Total liabilities and capital
$37,825Total liabilities
$28,592Total deposits
$37,825Interest-bearing deposits
$91Deposits held in domestic offices
3400.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,690Trading liabilities
$0Other borrowed funds
$470Subordinated debt
$9,879All other liabilities
$9,879Total equity capital
$9,879Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$900Surplus
$8,579Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$602Income earned, not collected on loans
$0Earning assets
$561Long-term assets (5+ years)
$51,147Average Assets, year-to-date
$19,534Average Assets, quarterly
$51,781Volatile liabilities
$52,881Insider loans
$37,197FHLB advances
$52,781Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,410Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,161Restructured Loans and leases
$857Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,248Total interest income
$399Total interest expense
$1,849Net interest income
$0Provision for loan and lease losses
$185Total noninterest income
$2Fiduciary activities
$109Service charges on deposit accounts
$0Trading account gains & fees
$74Additional noninterest income
$1,369Total noninterest expense
$768Salaries and employee benefits
$74Premises and equipment expense
$527Additional noninterest expense
$665Pre-tax net operating income
$8Securities gains (losses)
$149Applicable income taxes
$524Income before extraordinary items
$0Extraordinary gains - net
$524Net income attributable to bank
$0Net charge-offs
$524Cash dividends
$20Sale, conversion, retirement of capital stock, net
$145Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.59%Yield on earning assets
0.81%Cost of funding earning assets
3.78%Net interest margin
0.38%Noninterest income to earning assets
2.80%Noninterest expense to earning assets
1.00%Net operating income to assets
1.01%Return on assets (ROA)
1.30%Pretax return on assets
5.51%Return on equity (ROE)
3.98%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
33.25%Efficiency ratio
67,306Assets per employee
4.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.67%Loss allowance to loans
1.68%Loss allowance to noncurrent loans
73.92%Noncurrent assets plus other real estate owned to assets
1.11%Noncurrent loans to loans
2.27%Net loans and leases to deposits
68.83%Net loans and leases to core deposits
73.92%Equity capital to assets
18.21%Core capital (leverage) ratio
17.83%Tier 1 risk-based capital ratio
25.30%Total risk-based capital ratio
Memoranda
$26Average assets
$51,781Average earning assets
$9,515Average equity
$48,960Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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