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


  • Hyden Citizens Bank in Hyden, Kentucky (KY)
  • Show street view No street view available for this location
Hyden Citizens Bank routing number info

Hyden Citizens Bank - Overview

  • General
  • FDIC Certificate #: 281
    Status: Active
    Federal Reserve ID: 211114
    Bank Holding Company (Regulatory Top Holder): Middlefork Financial Group Inc. (RSSDID: 1071539, Location: Hyden, KY)
    Date Established: September 01, 1904
    WWW: http://www.hydencitizensbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9820
    FDIC's unique #: 226
    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: Commercial Lending 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: 22023 Main Street, Hyden, KY 41749
    County: Leslie
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    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: $128.3 mil
    Equity capital: $11.9 mil
    Deposits held in domestic offices: $104.1 mil
    Return on assets (ROA): 0.93% ($1.2 mil)
    Quarterly return on assets: 1.38% ($1.8 mil)
    Return on Equity (ROE): 10.53% ($1.3 mil)
    Quarterly return on equity: 14.94% ($1.8 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.93% ($1,192.9 mil)
    Quarterly Pretax return on assets: 1.38% ($1,770.1 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
  • 32Total employees (full-time equivalent)
  • $128,270Total assets
  • $5,772Cash and due from depository institutions
  • $259Interest-bearing balances
  • $44,383Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $70,532Net loans & leases
  • $763Loan loss allowance
  • $0Trading account assets
  • $4,987Bank premises and fixed assets
  • $582Other real estate owned
  • $0Goodwill and other intangibles
  • $128,270Life insurance assets
  • $2,014All other assets
  • $116,385Total liabilities and capital
  • $104,065Total liabilities
  • $87,755Total deposits
  • $104,065Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 6736.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,261Trading liabilities
  • $0Other borrowed funds
  • $323Subordinated debt
  • $11,885All other liabilities
  • $11,885Total equity capital
  • $11,885Total bank equity capital
  • $0Perpetual preferred stock
  • $236Common stock
  • $6,464Surplus
  • $5,185Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $782Income earned, not collected on loans
  • $0Earning assets
  • $604Long-term assets (5+ years)
  • $115,174Average Assets, year-to-date
  • $60,794Average Assets, quarterly
  • $124,429Volatile liabilities
  • $126,268Insider loans
  • $78,636FHLB advances
  • $123,479Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,312Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,164Restructured Loans and leases
  • $2,502Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,798Total interest income
  • $1,109Total interest expense
  • $4,689Net interest income
  • $403Provision for loan and lease losses
  • $1,051Total noninterest income
  • $0Fiduciary activities
  • $694Service charges on deposit accounts
  • $0Trading account gains & fees
  • $357Additional noninterest income
  • $4,185Total noninterest expense
  • $1,904Salaries and employee benefits
  • $720Premises and equipment expense
  • $1,561Additional noninterest expense
  • $1,152Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $1,153Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,153Net income attributable to bank
  • $0Net charge-offs
  • $1,153Cash dividends
  • $807Sale, conversion, retirement of capital stock, net
  • $941Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.17%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 10.53%Return on equity (ROE)
  • 1.94%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 49.94%Credit loss provision to net charge-offs
  • 1.93%Efficiency ratio
  • 72,909Assets per employee
  • 4.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.61%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 97.57%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 1.10%Net loans and leases to deposits
  • 67.78%Net loans and leases to core deposits
  • 70.80%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 8.35%Tier 1 risk-based capital ratio
  • 13.11%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $124,429Average earning assets
  • $10,945Average equity
  • $112,115Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0226Hyden Citizens Bank22023 Main Street, Hyden, KY 41749September 01, 1904Full Service Brick and Mortar
    1181452Wooton BranchKentucky Highways 80 And 699, Wooton, KY 41776March 23, 1981Limited Service Facility
    2181453Hurts Creek Center BranchHighway 421 & 80, Hyden, KY 41749October 02, 1987Full Service Brick and Mortar
    3447918Hoskinston Branch13020 Highway 421, Hoskinston, KY 40844January 17, 2006Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Hyden Citizens Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents