Bank of Ohio County, Inc. in city_name, state_name - Detailed Financial Reports, Location

Bank of Ohio County, Inc. in Beaver Dam, Kentucky (KY)
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Bank of Ohio County, Inc. routing number info

Bank of Ohio County, Inc. - Overview

General
FDIC Certificate #: 9304
Status: Active
Federal Reserve ID: 912943
Bank Holding Company (Regulatory Top Holder): Town & Country Financial, Inc. (RSSDID: 1135888, Location: Beaver Dam, KY)
Date Established: December 05, 1922
WWW: http://www.bankohiocounty.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 9598
FDIC's unique #: 5959
Numeric code: 13
Regulator: FED
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 22, 2010
Last Structure Change Process Date: Febuary 24, 2010
Last Data Update: Febuary 24, 2010
Data Source Date: April 05, 2012
Location
Address: 1500 Bill Monroe Memorial Boulevard, Beaver Dam, KY 42320
County: Ohio
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
History of Changes
Corrections
Change in Primary Regulatory Agency
Change in Supervisory Agency
Institution Becomes a Member of FRS (Federal Reserve System)
Financial Summary
Total assets: $90.4 mil
Equity capital: $16.9 mil
Deposits held in domestic offices: $73.1 mil
Return on assets (ROA): 2.31% ($2.1 mil)
Quarterly return on assets: 1.71% ($1.5 mil)
Return on Equity (ROE): 13.33% ($2.3 mil)
Quarterly return on equity: 9.29% ($1.6 mil)
Net income: $2.1 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 2.31% ($2,087.7 mil)
Quarterly Pretax return on assets: 1.71% ($1,545.4 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
21Total employees (full-time equivalent)
$90,375Total assets
$2,745Cash and due from depository institutions
$269Interest-bearing balances
$33,341Securities
$7,559Federal funds sold & reverse repurchase agreements
$42,687Net loans & leases
$542Loan loss allowance
$0Trading account assets
$1,632Bank premises and fixed assets
$673Other real estate owned
$0Goodwill and other intangibles
$90,375Life insurance assets
$1,738All other assets
$73,471Total liabilities and capital
$73,065Total liabilities
$63,826Total deposits
$73,065Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$406Subordinated debt
$16,904All other liabilities
$16,904Total equity capital
$16,904Total bank equity capital
$0Perpetual preferred stock
$90Common stock
$6,590Surplus
$10,224Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$426Income earned, not collected on loans
$0Earning assets
$489Long-term assets (5+ years)
$83,856Average Assets, year-to-date
$37,868Average Assets, quarterly
$92,027Volatile liabilities
$90,544Insider loans
$57,858FHLB advances
$88,650Loans and leases held for sale
$316Unused loan commitments
$316Tier 1 (core) risk-based capital
$16,349Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,037Restructured Loans and leases
$38Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,751Total interest income
$716Total interest expense
$4,035Net interest income
$209Provision for loan and lease losses
$398Total noninterest income
$0Fiduciary activities
$269Service charges on deposit accounts
$0Trading account gains & fees
$129Additional noninterest income
$2,097Total noninterest expense
$956Salaries and employee benefits
$280Premises and equipment expense
$861Additional noninterest expense
$2,127Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$2,127Income before extraordinary items
$0Extraordinary gains - net
$2,127Net income attributable to bank
$0Net charge-offs
$2,127Cash dividends
$212Sale, conversion, retirement of capital stock, net
$1,022Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.55%Yield on earning assets
0.84%Cost of funding earning assets
4.71%Net interest margin
0.46%Noninterest income to earning assets
2.45%Noninterest expense to earning assets
2.31%Net operating income to assets
2.31%Return on assets (ROA)
2.31%Pretax return on assets
13.33%Return on equity (ROE)
6.92%Retained earnings to average equity (YTD only)
0.45%Net charge-offs to loans
98.58%Credit loss provision to net charge-offs
11.02%Efficiency ratio
47,304Assets per employee
4.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.05%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
127.23%Noncurrent assets plus other real estate owned to assets
1.22%Noncurrent loans to loans
0.99%Net loans and leases to deposits
58.42%Net loans and leases to core deposits
59.12%Equity capital to assets
18.70%Core capital (leverage) ratio
18.44%Tier 1 risk-based capital ratio
28.26%Total risk-based capital ratio
Memoranda
$29Average assets
$92,027Average earning assets
$15,962Average equity
$85,614Average loans

List of branches

2 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	5959	Bank Of Ohio County, Inc.	1500 Bill Monroe Memorial Boulevard, Beaver Dam, KY 42320	December 05, 1922	Full Service Brick and Mortar
1	219859	Dundee Branch	11658 Kentucky Highway 69 North, Dundee, KY 42338	April 29, 1991	Full Service Brick and Mortar

Bank of Ohio County, Inc. in Beaver Dam, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Ohio County, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Ohio County, Inc. in Beaver Dam, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Ohio County, Inc. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Ohio County, Inc. in Beaver Dam, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches