The Citizens Bank and Trust Company of Grayson County - Overview
General
FDIC Certificate #: 8115 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Wilson & Muir Bank & Trust Company (#17040) Federal Reserve ID: 771841 Date Established: Febuary 02, 1907 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 13218 FDIC's unique #: 5165 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 20, 2001 Last Structure Change Process Date: August 06, 2001 Last Data Update: August 06, 2001 Data Source Date: April 05, 2012
Location
Address: 118 South Main Street, Leitchfield, KY 42754 County: Grayson Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas FDIC Field Office: Elizabethtown Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $76.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
34Total employees (full-time equivalent)
$77,118Total assets
$3,652Cash and due from depository institutions
$0Interest-bearing balances
$17,889Securities
$11,015Federal funds sold & reverse repurchase agreements
$43,218Net loans & leases
$878Loan loss allowance
$0Trading account assets
$650Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$694All other assets
$77,118Total liabilities and capital
$65,948Total liabilities
$64,785Total deposits
$51,314Interest-bearing deposits
$64,785Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$805Other borrowed funds
$0Subordinated debt
$358All other liabilities
$11,170Total equity capital
$11,170Total bank equity capital
$11,170Perpetual preferred stock
$0Common stock
$1,540Surplus
$2,924Undivided profits
Memoranda
$6,706Noncurrent loans and leases
$3,900Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$576Earning assets
$0Long-term assets (5+ years)
$384Average Assets, year-to-date
$72,122Average Assets, quarterly
$6,942Volatile liabilities
$72,346Insider loans
$75,839FHLB advances
$1,694Loans and leases held for sale
$86Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,900Total unused commitments
$0Restructured Loans and leases
$568Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$5,828Total interest income
$1,916Total interest expense
$3,912Net interest income
$150Provision for loan and lease losses
$523Total noninterest income
$0Fiduciary activities
$383Service charges on deposit accounts
$0Trading account gains & fees
$140Additional noninterest income
$1,954Total noninterest expense
$1,062Salaries and employee benefits
$186Premises and equipment expense
$706Additional noninterest expense
$2,331Pre-tax net operating income
$4Securities gains (losses)
$0Applicable income taxes
$2,335Income before extraordinary items
$0Extraordinary gains - net
$2,335Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$90Sale, conversion, retirement of capital stock, net
$2,215Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.72%Yield on earning assets
2.87%Cost of funding earning assets
5.85%Net interest margin
0.78%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
3.22%Net operating income to assets
3.23%Return on assets (ROA)
3.23%Pretax return on assets
22.28%Return on equity (ROE)
1.14%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
166.67%Credit loss provision to net charge-offs
27.57%Efficiency ratio
43,968Assets per employee
2.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
94.86%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
152.43%Noncurrent assets plus other real estate owned to assets
0.75%Noncurrent loans to loans
1.31%Net loans and leases to deposits
66.71%Net loans and leases to core deposits
68.50%Equity capital to assets
14.48%Core capital (leverage) ratio
14.58%Tier 1 risk-based capital ratio
24.59%Total risk-based capital ratio
Memoranda
$26Average assets
$72,346Average earning assets
$10,482Average equity
$66,866Average loans
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The Citizens Bank and Trust Company of Grayson County
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