FDIC Certificate #: 15068 Status: Active Federal Reserve ID: 980045 Bank Holding Company (Regulatory Top Holder): Caneyville Bancshares, Inc. (RSSDID: 1097708, Location: Caneyville, KY) Date Established: January 01, 1897 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9450 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: March 28, 1935 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: 102 N Main St, Caneyville, KY 42721 County: Grayson 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
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $47.3 mil Equity capital: $4.1 mil Deposits held in domestic offices: $43.1 mil Return on assets (ROA): 0.72% ($0.3 mil) Quarterly return on assets: -0.04% (-$0.0 mil) Return on Equity (ROE): 7.92% ($0.3 mil) Quarterly return on equity: -0.48% (-$0.0 mil) Net income: $0.3 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.72% ($340.8 mil) Quarterly Pretax return on assets: -0.04% (-$18.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$47,328Total assets
$1,385Cash and due from depository institutions
$59Interest-bearing balances
$26,215Securities
$995Federal funds sold & reverse repurchase agreements
$17,438Net loans & leases
$155Loan loss allowance
$0Trading account assets
$648Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$47,328Life insurance assets
$647All other assets
$43,186Total liabilities and capital
$43,124Total liabilities
$33,492Total deposits
$43,124Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$62Subordinated debt
$4,142All other liabilities
$4,142Total equity capital
$4,142Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,627Surplus
$2,415Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$21Income earned, not collected on loans
$0Earning assets
$225Long-term assets (5+ years)
$44,707Average Assets, year-to-date
$33,071Average Assets, quarterly
$45,168Volatile liabilities
$46,308Insider loans
$21,980FHLB advances
$46,474Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,142Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$393Restructured Loans and leases
$220Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,833Total interest income
$520Total interest expense
$1,313Net interest income
$15Provision for loan and lease losses
$111Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$1,085Total noninterest expense
$542Salaries and employee benefits
$107Premises and equipment expense
$436Additional noninterest expense
$324Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$324Income before extraordinary items
$0Extraordinary gains - net
$324Net income attributable to bank
$0Net charge-offs
$324Cash dividends
$26Sale, conversion, retirement of capital stock, net
$215Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.28%Yield on earning assets
1.21%Cost of funding earning assets
3.06%Net interest margin
0.26%Noninterest income to earning assets
2.53%Noninterest expense to earning assets
0.72%Net operating income to assets
0.72%Return on assets (ROA)
0.72%Pretax return on assets
7.92%Return on equity (ROE)
2.66%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
57.69%Credit loss provision to net charge-offs
13.04%Efficiency ratio
76,194Assets per employee
5.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
66.36%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
738.10%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.12%Net loans and leases to deposits
40.44%Net loans and leases to core deposits
43.03%Equity capital to assets
8.75%Core capital (leverage) ratio
8.91%Tier 1 risk-based capital ratio
18.84%Total risk-based capital ratio
Memoranda
$20Average assets
$45,168Average earning assets
$4,090Average equity
$42,845Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9450
Bank Of Caneyville
102 N Main St, Caneyville, KY 42721
January 01, 1897
Full Service Brick and Mortar
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