FDIC Certificate #: 2753 Status: Active Federal Reserve ID: 641449 Bank Holding Company (Regulatory Top Holder): Cnb Of Lebanon Bancorp, Inc. (RSSDID: 1098639, Location: Lebanon, KY) Date Established: January 01, 1889 WWW:http://www.cnboflebanon.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 9453 FDIC's unique #: 1791 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion 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: 149 West Main Street, Lebanon, KY 40033 County: Marion 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: $112.8 mil Equity capital: $11.2 mil Deposits held in domestic offices: $91.7 mil Return on assets (ROA): 0.99% ($1.1 mil) Quarterly return on assets: 0.78% ($0.9 mil) Return on Equity (ROE): 9.79% ($1.1 mil) Quarterly return on equity: 7.52% ($0.8 mil) Net income: $1.1 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.99% ($1,116.3 mil) Quarterly Pretax return on assets: 0.78% ($879.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
30Total employees (full-time equivalent)
$112,754Total assets
$2,043Cash and due from depository institutions
$419Interest-bearing balances
$68,585Securities
$3,032Federal funds sold & reverse repurchase agreements
$33,071Net loans & leases
$471Loan loss allowance
$0Trading account assets
$1,327Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$112,754Life insurance assets
$4,696All other assets
$101,600Total liabilities and capital
$91,701Total liabilities
$77,861Total deposits
$91,701Interest-bearing deposits
$85Deposits held in domestic offices
537.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,770Trading liabilities
$0Other borrowed funds
$1,592Subordinated debt
$11,154All other liabilities
$11,154Total equity capital
$11,154Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$250Surplus
$10,654Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$308Income earned, not collected on loans
$0Earning assets
$857Long-term assets (5+ years)
$105,107Average Assets, year-to-date
$26,604Average Assets, quarterly
$112,494Volatile liabilities
$110,634Insider loans
$59,396FHLB advances
$113,090Loans and leases held for sale
$2,620Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,194Tier 2 risk-based capital
$2,620Total risk weighted assets
$0Total unused commitments
$2,249Restructured Loans and leases
$1,269Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,504Total interest income
$1,218Total interest expense
$3,286Net interest income
$70Provision for loan and lease losses
$728Total noninterest income
$22Fiduciary activities
$493Service charges on deposit accounts
$0Trading account gains & fees
$213Additional noninterest income
$2,884Total noninterest expense
$1,684Salaries and employee benefits
$358Premises and equipment expense
$842Additional noninterest expense
$1,060Pre-tax net operating income
$57Securities gains (losses)
$0Applicable income taxes
$1,117Income before extraordinary items
$0Extraordinary gains - net
$1,117Net income attributable to bank
$0Net charge-offs
$1,117Cash dividends
$28Sale, conversion, retirement of capital stock, net
$1,110Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.30%Yield on earning assets
1.16%Cost of funding earning assets
3.13%Net interest margin
0.69%Noninterest income to earning assets
2.75%Noninterest expense to earning assets
0.94%Net operating income to assets
0.99%Return on assets (ROA)
0.99%Pretax return on assets
9.79%Return on equity (ROE)
0.06%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
250.00%Credit loss provision to net charge-offs
40.36%Efficiency ratio
71,849Assets per employee
3.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
99.37%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
152.92%Noncurrent assets plus other real estate owned to assets
0.27%Noncurrent loans to loans
0.92%Net loans and leases to deposits
36.06%Net loans and leases to core deposits
36.91%Equity capital to assets
9.89%Core capital (leverage) ratio
9.90%Tier 1 risk-based capital ratio
18.85%Total risk-based capital ratio
Memoranda
$20Average assets
$112,494Average earning assets
$11,411Average equity
$104,845Average 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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