Brownsville Deposit Bank in Brownsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2006

Brownsville Deposit Bank in Brownsville, Kentucky (KY)
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Brownsville Deposit Bank - Overview

General
FDIC Certificate #: 1877
Status: Inactive
Closing history: Corrections
Acquiring institution: PBI Bank (#9314)
Federal Reserve ID: 707840
Date Established: September 01, 1899
WWW: http://www.brownsvilledeposit.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 9188
FDIC's unique #: 1253
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 01, 2006
Last Structure Change Process Date: January 17, 2006
Last Data Update: January 17, 2006
Data Source Date: April 05, 2012
Location
Address: Main Street, Brownsville, KY 42210
County: Edmonson
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): Bowling Green, KY (#14540)
CBSA Metro Statistical Area: Bowling Green, KY (#14540)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $52.3 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, 2005)

Dollar figures in thousands
15Total employees (full-time equivalent)
$52,287Total assets
$1,264Cash and due from depository institutions
$103Interest-bearing balances
$6,451Securities
$0Federal funds sold & reverse repurchase agreements
$42,666Net loans & leases
$482Loan loss allowance
$0Trading account assets
$396Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,510All other assets
$52,287Total liabilities and capital
$47,585Total liabilities
$35,197Total deposits
$30,453Interest-bearing deposits
$35,197Deposits held in domestic offices
0.00%% insured (estimated)
$3,500Federal funds purchased & repurchase agreements
$0Trading liabilities
$8,558Other borrowed funds
$0Subordinated debt
$330All other liabilities
$4,702Total equity capital
$4,702Total bank equity capital
$4,702Perpetual preferred stock
$0Common stock
$50Surplus
$2,850Undivided profits
Memoranda
$1,802Noncurrent loans and leases
$4,186Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$474Earning assets
$0Long-term assets (5+ years)
$428Average Assets, year-to-date
$49,220Average Assets, quarterly
$9,630Volatile liabilities
$53,500Insider loans
$52,807FHLB advances
$14,788Loans and leases held for sale
$75Unused loan commitments
$8,558Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,186Total unused commitments
$0Restructured Loans and leases
$482Derivatives

Income and Expense (December 31, 2005)

Dollar figures in thousands
$3,643Total interest income
$1,340Total interest expense
$2,303Net interest income
$60Provision for loan and lease losses
$527Total noninterest income
$0Fiduciary activities
$327Service charges on deposit accounts
$0Trading account gains & fees
$200Additional noninterest income
$1,575Total noninterest expense
$701Salaries and employee benefits
$108Premises and equipment expense
$766Additional noninterest expense
$1,195Pre-tax net operating income
$8Securities gains (losses)
$400Applicable income taxes
$803Income before extraordinary items
$0Extraordinary gains - net
$803Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$51Sale, conversion, retirement of capital stock, net
$450Net operating income

Performance and Condition Ratios (December 31, 2005)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.21%Yield on earning assets
2.65%Cost of funding earning assets
4.56%Net interest margin
1.04%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
1.49%Net operating income to assets
1.50%Return on assets (ROA)
2.25%Pretax return on assets
17.40%Return on equity (ROE)
7.65%Retained earnings to average equity (YTD only)
0.11%Net charge-offs to loans
117.65%Credit loss provision to net charge-offs
24.61%Efficiency ratio
55,654Assets per employee
3.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
56.04%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
101.69%Noncurrent assets plus other real estate owned to assets
0.91%Noncurrent loans to loans
1.10%Net loans and leases to deposits
121.22%Net loans and leases to core deposits
154.82%Equity capital to assets
8.99%Core capital (leverage) ratio
8.83%Tier 1 risk-based capital ratio
12.24%Total risk-based capital ratio
Memoranda
$13Average assets
$53,500Average earning assets
$4,616Average equity
$50,507Average loans

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