Leitchfield Deposit Bank & Trust Company in Leitchfield, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Leitchfield Deposit Bank & Trust Company in Leitchfield, Kentucky (KY)
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Leitchfield Deposit Bank & Trust Company routing number info

Leitchfield Deposit Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 13168
    Status: Active
    Federal Reserve ID: 643546
    Bank Holding Company (Regulatory Top Holder): Farmers Bancshares, Inc. (RSSDID: 1095638, Location: Hardinsburg, KY)
    Date Established: January 01, 1897
    WWW: http://www.ldb-ky.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 8979
    FDIC's unique #: 8331
    Numeric code: 13
    Regulator: FED
    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: No
    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: 76 Public Square, Leitchfield, KY 42754
    County: Grayson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    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: $107.8 mil
    Equity capital: $15.8 mil
    Deposits held in domestic offices: $81.9 mil
    Return on assets (ROA): 1.34% ($1.4 mil)
    Quarterly return on assets: 1.26% ($1.4 mil)
    Return on Equity (ROE): 8.71% ($1.4 mil)
    Quarterly return on equity: 8.44% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.84% ($1,983.8 mil)
    Quarterly Pretax return on assets: 1.64% ($1,768.2 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
  • 31Total employees (full-time equivalent)
  • $107,817Total assets
  • $2,550Cash and due from depository institutions
  • $62Interest-bearing balances
  • $11,663Securities
  • $10,835Federal funds sold & reverse repurchase agreements
  • $76,357Net loans & leases
  • $788Loan loss allowance
  • $0Trading account assets
  • $1,103Bank premises and fixed assets
  • $1,275Other real estate owned
  • $0Goodwill and other intangibles
  • $107,817Life insurance assets
  • $4,034All other assets
  • $92,004Total liabilities and capital
  • $81,889Total liabilities
  • $60,836Total deposits
  • $81,889Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 2910.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,600Trading liabilities
  • $0Other borrowed funds
  • $605Subordinated debt
  • $15,813All other liabilities
  • $15,813Total equity capital
  • $15,813Total bank equity capital
  • $0Perpetual preferred stock
  • $345Common stock
  • $8,322Surplus
  • $7,146Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $674Income earned, not collected on loans
  • $0Earning assets
  • $534Long-term assets (5+ years)
  • $98,917Average Assets, year-to-date
  • $46,024Average Assets, quarterly
  • $106,030Volatile liabilities
  • $106,410Insider loans
  • $82,829FHLB advances
  • $106,584Loans and leases held for sale
  • $1,456Unused loan commitments
  • $1,456Tier 1 (core) risk-based capital
  • $15,813Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,566Restructured Loans and leases
  • $613Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,310Total interest income
  • $953Total interest expense
  • $4,357Net interest income
  • $212Provision for loan and lease losses
  • $734Total noninterest income
  • $0Fiduciary activities
  • $363Service charges on deposit accounts
  • $0Trading account gains & fees
  • $371Additional noninterest income
  • $2,925Total noninterest expense
  • $1,612Salaries and employee benefits
  • $242Premises and equipment expense
  • $1,071Additional noninterest expense
  • $1,954Pre-tax net operating income
  • $2Securities gains (losses)
  • $538Applicable income taxes
  • $1,418Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,418Net income attributable to bank
  • $0Net charge-offs
  • $1,418Cash dividends
  • $186Sale, conversion, retirement of capital stock, net
  • $2,466Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.43%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.84%Pretax return on assets
  • 8.71%Return on equity (ROE)
  • -6.44%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 113.98%Credit loss provision to net charge-offs
  • 11.65%Efficiency ratio
  • 57,454Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 173.91%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 116.91%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 93.24%Net loans and leases to core deposits
  • 99.46%Equity capital to assets
  • 14.67%Core capital (leverage) ratio
  • 14.84%Tier 1 risk-based capital ratio
  • 19.09%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $106,030Average earning assets
  • $16,276Average equity
  • $97,824Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    08331Leitchfield Deposit Bank & Trust Com76 Public Square, Leitchfield, KY 42754January 01, 1897Full Service Brick and Mortar
    2229242Southgate BranchSouthgate Mall, Leitchfield, KY 42754June 07, 1979Full Service Brick and Mortar
    3229243Highway 79 BranchHighway 79, Falls Of Rough, KY 40119August 28, 1989Full Service Brick and Mortar
    4366282Elizabethtown Road Branch1687 Elizabethtown Road, Leitchfield, KY 42754January 16, 2003Full Service Brick and Mortar

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