Home > Citizens Savings Bank of Frankfort > Assets and Liabilities
Citizens Savings Bank of Frankfort, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 13 | 8,108 |
| Assets and Liabilities | ||
| Total Assets: | $62,967,000 | 6,058 |
| Cash and due from depository institutions | $3,699,000 | 8,108 |
| Interest-bearing balances | $2,413,000 | 1,508 |
| Securities | $183,000 | 10,054 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $55,042,000 | 4,807 |
| Loan loss allowance | $336,000 | 7,039 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $565,000 | 7,447 |
| Other real estate owned | $863,000 | 8,108 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $2,615,000 | 3,186 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $62,967,000 | 6,058 |
| Total liabilities | $51,117,000 | 6,431 |
| Total deposits | $38,481,000 | 7,193 |
| Interest-bearing deposits | $35,323,000 | 6,942 |
| Deposits held in domestic offices | $38,481,000 | 7,191 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,093 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $11,500,000 | 1,839 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $1,136,000 | 2,954 |
| Total equity capital | $11,850,000 | 3,683 |
| Total bank equity capital | $11,850,000 | 3,683 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $1,000 | 9,132 |
| Surplus | $5,108,000 | 2,926 |
| Undivided profits | $6,741,000 | 3,359 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $539,000 | 3,492 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $426,000 | 5,170 |
| Earning assets | $57,638,000 | 6,043 |
| Long-term assets (5+ years) | $0 | 8,976 |
| Average Assets, year-to-date | $59,880,200 | 6,079 |
| Average Assets, quarterly | $61,802,500 | 6,084 |
| Volatile liabilities | $20,223,000 | 3,464 |
| Insider loans | $2,987,000 | 1,564 |
| FHLB advances | $11,500,000 | 443 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $3,498,000 | 6,346 |
| Tier 1 (core) risk-based capital | $10,983,000 | 3,920 |
| Tier 2 risk-based capital | $336,000 | 6,673 |
| Total risk weighted assets | $38,612,000 | 6,144 |
| Total unused commitments | $3,498,000 | 6,351 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 14 | 8,043 |
| Assets and Liabilities | ||
| Total Assets: | $58,157,000 | 6,391 |
| Cash and due from depository institutions | $3,123,000 | 8,043 |
| Interest-bearing balances | $2,425,000 | 1,951 |
| Securities | $175,000 | 10,288 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $51,125,000 | 4,871 |
| Loan loss allowance | $291,000 | 7,486 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $544,000 | 7,589 |
| Other real estate owned | $915,000 | 8,043 |
| Goodwill and other intangibles | $0 | 3,445 |
| All other assets | $2,275,000 | 3,192 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $58,157,000 | 6,391 |
| Total liabilities | $47,379,000 | 6,745 |
| Total deposits | $39,699,000 | 7,199 |
| Interest-bearing deposits | $35,631,000 | 7,003 |
| Deposits held in domestic offices | $39,699,000 | 7,198 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,214 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $6,500,000 | 1,967 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,180,000 | 3,080 |
| Total equity capital | $10,778,000 | 4,046 |
| Total bank equity capital | $10,778,000 | 4,046 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $1,000 | 9,342 |
| Surplus | $5,085,000 | 2,785 |
| Undivided profits | $5,692,000 | 4,050 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $249,000 | 5,622 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $420,000 | 5,275 |
| Earning assets | $53,725,000 | 6,362 |
| Long-term assets (5+ years) | $0 | 9,173 |
| Average Assets, year-to-date | $56,036,200 | 6,310 |
| Average Assets, quarterly | $59,081,500 | 6,266 |
| Volatile liabilities | $15,573,000 | 3,686 |
| Insider loans | $2,616,000 | 1,643 |
| FHLB advances | $6,500,000 | 484 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $3,456,000 | 6,230 |
| Tier 1 (core) risk-based capital | $9,859,000 | 4,231 |
| Tier 2 risk-based capital | $291,000 | 7,103 |
| Total risk weighted assets | $35,645,000 | 6,301 |
| Total unused commitments | $3,456,000 | 6,237 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 15 | 8,124 |
| Assets and Liabilities | ||
| Total Assets: | $52,970,000 | 6,835 |
| Cash and due from depository institutions | $5,912,000 | 8,124 |
| Interest-bearing balances | $5,228,000 | 858 |
| Securities | $165,000 | 10,771 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $43,352,000 | 5,520 |
| Loan loss allowance | $252,000 | 8,115 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $559,000 | 7,655 |
| Other real estate owned | $967,000 | 8,124 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $2,015,000 | 3,494 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $52,970,000 | 6,835 |
| Total liabilities | $42,604,000 | 7,229 |
| Total deposits | $40,208,000 | 7,260 |
| Interest-bearing deposits | $39,669,000 | 6,718 |
| Deposits held in domestic offices | $40,208,000 | 7,256 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $1,000,000 | 3,450 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,396,000 | 2,699 |
| Total equity capital | $10,366,000 | 4,161 |
| Total bank equity capital | $10,366,000 | 4,161 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $1,000 | 9,742 |
| Surplus | $5,044,000 | 2,720 |
| Undivided profits | $5,321,000 | 4,273 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $336,000 | 5,056 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $351,000 | 6,210 |
| Earning assets | $48,745,000 | 6,804 |
| Long-term assets (5+ years) | $0 | 9,550 |
| Average Assets, year-to-date | $48,527,800 | 6,987 |
| Average Assets, quarterly | $52,249,000 | 6,824 |
| Volatile liabilities | $11,351,000 | 4,576 |
| Insider loans | $2,788,000 | 1,527 |
| FHLB advances | $1,000,000 | 693 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $3,795,000 | 5,906 |
| Tier 1 (core) risk-based capital | $9,399,000 | 4,410 |
| Tier 2 risk-based capital | $252,000 | 7,655 |
| Total risk weighted assets | $31,131,000 | 6,847 |
| Total unused commitments | $3,795,000 | 5,914 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 13 | 9,013 |
| Assets and Liabilities | ||
| Total Assets: | $46,335,000 | 7,566 |
| Cash and due from depository institutions | $5,781,000 | 9,013 |
| Interest-bearing balances | $5,181,000 | 740 |
| Securities | $157,000 | 11,328 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $36,793,000 | 6,187 |
| Loan loss allowance | $160,000 | 9,700 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $585,000 | 7,684 |
| Other real estate owned | $1,048,000 | 9,013 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $1,971,000 | 3,646 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $46,335,000 | 7,566 |
| Total liabilities | $40,924,000 | 7,602 |
| Total deposits | $35,584,000 | 8,000 |
| Interest-bearing deposits | $35,202,000 | 7,407 |
| Deposits held in domestic offices | $35,584,000 | 7,995 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $5,000,000 | 1,827 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $340,000 | 7,429 |
| Total equity capital | $5,411,000 | 6,895 |
| Total bank equity capital | $5,411,000 | 6,895 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $0 | 10,450 |
| Surplus | $0 | 10,586 |
| Undivided profits | $5,411,000 | 4,192 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $154,000 | 7,289 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $308,000 | 6,799 |
| Earning assets | $42,131,000 | 7,586 |
| Long-term assets (5+ years) | $0 | 9,965 |
| Average Assets, year-to-date | $44,238,600 | 7,596 |
| Average Assets, quarterly | $45,905,000 | 7,554 |
| Volatile liabilities | $10,338,000 | 4,767 |
| Insider loans | $2,293,000 | 1,856 |
| FHLB advances | $5,000,000 | 553 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $3,047,000 | 6,393 |
| Tier 1 (core) risk-based capital | $4,369,000 | 7,709 |
| Tier 2 risk-based capital | $160,000 | 9,282 |
| Total risk weighted assets | $26,396,000 | 7,605 |
| Total unused commitments | $3,047,000 | 6,407 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 10 | 10,247 |
| Assets and Liabilities | ||
| Total Assets: | $42,304,000 | 8,133 |
| Cash and due from depository institutions | $3,924,000 | 10,247 |
| Interest-bearing balances | $3,257,000 | 1,339 |
| Securities | $2,932,000 | 11,057 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $32,707,000 | 6,634 |
| Loan loss allowance | $108,000 | 10,869 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $580,000 | 7,867 |
| Other real estate owned | $0 | 10,247 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $2,161,000 | 3,390 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $42,304,000 | 8,133 |
| Total liabilities | $37,283,000 | 8,205 |
| Total deposits | $35,003,000 | 8,288 |
| Interest-bearing deposits | $34,597,000 | 7,664 |
| Deposits held in domestic offices | $35,003,000 | 8,284 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $2,000,000 | 2,360 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $280,000 | 8,559 |
| Total equity capital | $5,021,000 | 7,354 |
| Total bank equity capital | $5,021,000 | 7,354 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $0 | 10,908 |
| Surplus | $0 | 11,041 |
| Undivided profits | $5,021,000 | 4,502 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $234,000 | 6,280 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $251,000 | 7,897 |
| Earning assets | $38,896,000 | 8,109 |
| Long-term assets (5+ years) | $0 | 10,367 |
| Average Assets, year-to-date | $39,741,400 | 8,232 |
| Average Assets, quarterly | $41,637,000 | 8,146 |
| Volatile liabilities | $6,849,000 | 5,854 |
| Insider loans | $1,874,000 | 2,263 |
| FHLB advances | $2,000,000 | 648 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $2,106,000 | 7,295 |
| Tier 1 (core) risk-based capital | $3,867,000 | 8,378 |
| Tier 2 risk-based capital | $108,000 | 10,547 |
| Total risk weighted assets | $24,273,000 | 8,047 |
| Total unused commitments | $2,106,000 | 7,311 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 13 | 9,865 |
| Assets and Liabilities | ||
| Total Assets: | $37,762,000 | 8,831 |
| Cash and due from depository institutions | $3,845,000 | 9,865 |
| Interest-bearing balances | $3,071,000 | 1,139 |
| Securities | $2,698,000 | 11,809 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $28,608,000 | 7,248 |
| Loan loss allowance | $69,000 | 12,011 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $568,000 | 8,112 |
| Other real estate owned | $0 | 9,865 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $2,043,000 | 3,767 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $37,762,000 | 8,831 |
| Total liabilities | $33,240,000 | 8,899 |
| Total deposits | $32,578,000 | 8,816 |
| Interest-bearing deposits | $32,222,000 | 8,112 |
| Deposits held in domestic offices | $32,578,000 | 8,810 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $500,000 | 3,719 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $162,000 | 9,761 |
| Total equity capital | $4,522,000 | 7,630 |
| Total bank equity capital | $4,522,000 | 7,630 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $0 | 11,459 |
| Surplus | $0 | 11,565 |
| Undivided profits | $4,522,000 | 4,536 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $230,000 | 6,390 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $214,000 | 8,191 |
| Earning assets | $34,377,000 | 8,824 |
| Long-term assets (5+ years) | $0 | 10,888 |
| Average Assets, year-to-date | $37,452,800 | 8,760 |
| Average Assets, quarterly | $37,498,500 | 8,828 |
| Volatile liabilities | $3,315,000 | 8,151 |
| Insider loans | $1,470,000 | 2,742 |
| FHLB advances | $500,000 | 925 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $2,464,000 | 6,926 |
| Tier 1 (core) risk-based capital | $3,616,000 | 8,763 |
| Tier 2 risk-based capital | $45,000 | 12,172 |
| Total risk weighted assets | $23,023,000 | 8,385 |
| Total unused commitments | $2,464,000 | 6,937 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 15 | 9,718 |
| Assets and Liabilities | ||
| Total Assets: | $36,529,000 | 9,290 |
| Cash and due from depository institutions | $7,078,000 | 9,718 |
| Interest-bearing balances | $6,650,000 | 908 |
| Securities | $2,685,000 | 12,287 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $24,273,000 | 7,961 |
| Loan loss allowance | $39,000 | 13,006 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $596,000 | 8,135 |
| Other real estate owned | $354,000 | 9,718 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $1,543,000 | 4,324 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $36,529,000 | 9,290 |
| Total liabilities | $32,263,000 | 9,380 |
| Total deposits | $32,160,000 | 9,218 |
| Interest-bearing deposits | $31,890,000 | 8,507 |
| Deposits held in domestic offices | $32,160,000 | 9,212 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $103,000 | 11,486 |
| Total equity capital | $4,266,000 | 8,051 |
| Total bank equity capital | $4,266,000 | 8,051 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $0 | 11,979 |
| Surplus | $0 | 12,104 |
| Undivided profits | $4,266,000 | 4,890 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $221,000 | 7,272 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $179,000 | 8,682 |
| Earning assets | $33,608,000 | 9,231 |
| Long-term assets (5+ years) | $0 | 11,403 |
| Average Assets, year-to-date | $35,617,600 | 9,236 |
| Average Assets, quarterly | $36,430,000 | 9,230 |
| Volatile liabilities | $2,727,000 | 8,740 |
| Insider loans | $1,534,000 | 2,630 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $2,348,000 | 7,083 |
| Tier 1 (core) risk-based capital | $4,272,000 | 7,974 |
| Tier 2 risk-based capital | $39,000 | 12,831 |
| Total risk weighted assets | $20,446,000 | 9,043 |
| Total unused commitments | $2,348,000 | 7,108 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 15 | 10,021 |
| Assets and Liabilities | ||
| Total Assets: | $35,351,000 | 9,642 |
| Cash and due from depository institutions | $9,540,000 | 10,021 |
| Interest-bearing balances | $9,115,000 | 825 |
| Securities | $131,000 | 13,725 |
| Federal funds sold & reverse repurchase agreements | $170,000 | 11,004 |
| Net loans & leases | $23,104,000 | 8,266 |
| Loan loss allowance | $31,000 | 13,642 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $597,000 | 8,265 |
| Other real estate owned | $489,000 | 10,021 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $1,320,000 | 5,099 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $35,351,000 | 9,642 |
| Total liabilities | $31,349,000 | 9,740 |
| Total deposits | $31,232,000 | 9,610 |
| Interest-bearing deposits | $30,842,000 | 8,891 |
| Deposits held in domestic offices | $31,232,000 | 9,605 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $117,000 | 11,935 |
| Total equity capital | $4,002,000 | 8,270 |
| Total bank equity capital | $4,002,000 | 8,270 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $0 | 12,472 |
| Surplus | $0 | 12,588 |
| Undivided profits | $4,002,000 | 4,940 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $191,000 | 8,502 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $188,000 | 8,964 |
| Earning assets | $32,520,000 | 9,552 |
| Long-term assets (5+ years) | $0 | 11,806 |
| Average Assets, year-to-date | $35,970,400 | 9,398 |
| Average Assets, quarterly | $35,110,000 | 9,602 |
| Volatile liabilities | $2,689,000 | 8,968 |
| Insider loans | $0 | 9,493 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,922,000 | 7,418 |
| Tier 1 (core) risk-based capital | $4,008,000 | 8,198 |
| Tier 2 risk-based capital | $31,000 | 13,443 |
| Total risk weighted assets | $18,513,000 | 9,677 |
| Total unused commitments | $1,922,000 | 7,449 |
| Derivatives | $0 | 651 |