FDIC Certificate #: 8762 Status: Active Federal Reserve ID: 180144 Bank Holding Company (Regulatory Top Holder): Sacramento Bancorp (RSSDID: 1133923, Location: Sacramento, KY) Date Established: January 01, 1895 WWW:http://www.sdbweb.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15338 FDIC's unique #: 5578 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: 335 Main Street, Sacramento, KY 42372 County: Mclean 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 Core Based Statistical Area (CBSA): Owensboro, KY (#36980) CBSA Metro Statistical Area: Owensboro, KY (#36980)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $68.4 mil Equity capital: $7.7 mil Deposits held in domestic offices: $60.5 mil Return on assets (ROA): 1.63% ($1.1 mil) Quarterly return on assets: 1.48% ($1.0 mil) Return on Equity (ROE): 13.80% ($1.1 mil) Quarterly return on equity: 12.69% ($1.0 mil) Net income: $1.1 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.63% ($1,115.2 mil) Quarterly Pretax return on assets: 1.48% ($1,012.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$68,416Total assets
$1,617Cash and due from depository institutions
$0Interest-bearing balances
$30,715Securities
$2,885Federal funds sold & reverse repurchase agreements
$31,030Net loans & leases
$441Loan loss allowance
$0Trading account assets
$572Bank premises and fixed assets
$482Other real estate owned
$0Goodwill and other intangibles
$68,416Life insurance assets
$1,115All other assets
$60,761Total liabilities and capital
$60,493Total liabilities
$52,553Total deposits
$60,493Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$41Trading liabilities
$0Other borrowed funds
$227Subordinated debt
$7,655All other liabilities
$7,655Total equity capital
$7,655Total bank equity capital
$0Perpetual preferred stock
$1,200Common stock
$2,200Surplus
$4,255Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$660Income earned, not collected on loans
$0Earning assets
$380Long-term assets (5+ years)
$64,630Average Assets, year-to-date
$34,352Average Assets, quarterly
$65,897Volatile liabilities
$67,883Insider loans
$40,467FHLB advances
$68,360Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,537Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,919Restructured Loans and leases
$1,473Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,303Total interest income
$879Total interest expense
$2,424Net interest income
$44Provision for loan and lease losses
$240Total noninterest income
$0Fiduciary activities
$114Service charges on deposit accounts
$0Trading account gains & fees
$126Additional noninterest income
$1,564Total noninterest expense
$817Salaries and employee benefits
$140Premises and equipment expense
$607Additional noninterest expense
$1,056Pre-tax net operating income
$18Securities gains (losses)
$0Applicable income taxes
$1,074Income before extraordinary items
$0Extraordinary gains - net
$1,074Net income attributable to bank
$0Net charge-offs
$1,074Cash dividends
$77Sale, conversion, retirement of capital stock, net
$949Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.28%Yield on earning assets
1.40%Cost of funding earning assets
3.87%Net interest margin
0.38%Noninterest income to earning assets
2.50%Noninterest expense to earning assets
1.60%Net operating income to assets
1.63%Return on assets (ROA)
1.63%Pretax return on assets
13.80%Return on equity (ROE)
1.61%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
57.14%Credit loss provision to net charge-offs
14.29%Efficiency ratio
58,709Assets per employee
6.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.36%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
66.82%Noncurrent assets plus other real estate owned to assets
1.67%Noncurrent loans to loans
2.10%Net loans and leases to deposits
51.30%Net loans and leases to core deposits
54.80%Equity capital to assets
11.19%Core capital (leverage) ratio
11.03%Tier 1 risk-based capital ratio
18.63%Total risk-based capital ratio
Memoranda
$20Average assets
$65,897Average earning assets
$7,784Average equity
$62,566Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5578
The Sacramento Deposit Bank
335 Main Street, Sacramento, KY 42372
January 01, 1895
Full Service Brick and Mortar
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