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


  • The Citizens Bank in Hickman, Kentucky (KY)
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The Citizens Bank routing number info

The Citizens Bank - Overview

  • General
  • FDIC Certificate #: 9306
    Status: Active
    Federal Reserve ID: 617145
    Bank Holding Company (Regulatory Top Holder): Citizens Bancorp Of Hickman, Inc. (RSSDID: 1099270, Location: Hickman, KY)
    Date Established: January 01, 1930
    WWW: http://www.citizenshickman.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9775
    FDIC's unique #: 5961
    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: Yes
    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: 1522 Union City Highway, Hickman, KY 42050
    County: Fulton
    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
    Combined Statistical Area (CSA): Union City-Martin, TN-KY (#542)
    Core Based Statistical Area (CBSA): Union City, TN-KY (#46460)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $109.5 mil
    Equity capital: $13.8 mil
    Deposits held in domestic offices: $91.0 mil
    Return on assets (ROA): 1.07% ($1.2 mil)
    Quarterly return on assets: 0.56% ($0.6 mil)
    Return on Equity (ROE): 8.64% ($1.2 mil)
    Quarterly return on equity: 4.37% ($0.6 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.07% ($1,171.8 mil)
    Quarterly Pretax return on assets: 0.56% ($613.3 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
  • 23Total employees (full-time equivalent)
  • $109,515Total assets
  • $6,305Cash and due from depository institutions
  • $3,755Interest-bearing balances
  • $25,371Securities
  • $1,337Federal funds sold & reverse repurchase agreements
  • $70,362Net loans & leases
  • $1,551Loan loss allowance
  • $0Trading account assets
  • $1,499Bank premises and fixed assets
  • $228Other real estate owned
  • $0Goodwill and other intangibles
  • $109,515Life insurance assets
  • $4,413All other assets
  • $95,709Total liabilities and capital
  • $90,959Total liabilities
  • $77,178Total deposits
  • $90,959Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,167Trading liabilities
  • $0Other borrowed funds
  • $583Subordinated debt
  • $13,806All other liabilities
  • $13,806Total equity capital
  • $13,806Total bank equity capital
  • $0Perpetual preferred stock
  • $360Common stock
  • $4,140Surplus
  • $9,306Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,524Income earned, not collected on loans
  • $1,513Earning assets
  • $1,267Long-term assets (5+ years)
  • $100,825Average Assets, year-to-date
  • $39,945Average Assets, quarterly
  • $104,461Volatile liabilities
  • $107,676Insider loans
  • $73,067FHLB advances
  • $107,694Loans and leases held for sale
  • $2,262Unused loan commitments
  • $2,262Tier 1 (core) risk-based capital
  • $12,861Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,842Restructured Loans and leases
  • $1,002Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,394Total interest income
  • $1,404Total interest expense
  • $3,990Net interest income
  • $935Provision for loan and lease losses
  • $657Total noninterest income
  • $0Fiduciary activities
  • $447Service charges on deposit accounts
  • $0Trading account gains & fees
  • $210Additional noninterest income
  • $2,610Total noninterest expense
  • $1,141Salaries and employee benefits
  • $346Premises and equipment expense
  • $1,123Additional noninterest expense
  • $1,102Pre-tax net operating income
  • $11Securities gains (losses)
  • $0Applicable income taxes
  • $1,113Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,113Net income attributable to bank
  • $0Net charge-offs
  • $1,113Cash dividends
  • $500Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.64%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 8.64%Return on equity (ROE)
  • 8.25%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 187.00%Credit loss provision to net charge-offs
  • 4.07%Efficiency ratio
  • 56,165Assets per employee
  • 4.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.49%Loss allowance to loans
  • 2.16%Loss allowance to noncurrent loans
  • 44.01%Noncurrent assets plus other real estate owned to assets
  • 3.43%Noncurrent loans to loans
  • 4.90%Net loans and leases to deposits
  • 77.36%Net loans and leases to core deposits
  • 81.58%Equity capital to assets
  • 12.61%Core capital (leverage) ratio
  • 11.94%Tier 1 risk-based capital ratio
  • 17.60%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $104,461Average earning assets
  • $12,886Average equity
  • $95,635Average 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
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,941Managed Assets
  • 1Number of Accounts
  • $2,776Personal trust and agency accounts
  • $2,776Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 24Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,165Other retirement accounts
  • $342Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    05961The Citizens Bank1522 Union City Highway, Hickman, KY 42050January 01, 1930Full Service Brick and Mortar
    3364997Nolan Avenue Branch201 Nolan Avenue, Fulton, KY 42041September 30, 2002Full Service Brick and Mortar

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