FDIC Certificate #: 31626 Status: Inactive Closing history: Corrections Acquiring institution:Your Community Bank (#28915) Federal Reserve ID: 440174 Date Established: January 01, 1925 WWW:http://www.cbkyonline.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 7274 FDIC's unique #: 44460 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) Insured commercial Banks: Yes FDIC Insured: Yes SAIF Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 10, 1973 Last Structure Change Effective Date: December 13, 2003 Last Structure Change Process Date: December 12, 2003 Last Data Update: December 12, 2003 Data Source Date: April 05, 2012
Location
Address: 106a West John Rowan Boulevard, Bardstown, KY 40004 County: Nelson 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 Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350) Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140) CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $68.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
19Total employees (full-time equivalent)
$53,958Total assets
$1,402Cash and due from depository institutions
$335Interest-bearing balances
$4,788Securities
$1,010Federal funds sold & reverse repurchase agreements
$42,748Net loans & leases
$401Loan loss allowance
$0Trading account assets
$896Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,114All other assets
$53,958Total liabilities and capital
$46,999Total liabilities
$33,317Total deposits
$31,089Interest-bearing deposits
$33,317Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$13,000Other borrowed funds
$0Subordinated debt
$682All other liabilities
$6,959Total equity capital
$6,959Total bank equity capital
$6,959Perpetual preferred stock
$0Common stock
$100Surplus
$6,613Undivided profits
Memoranda
$246Noncurrent loans and leases
$7,339Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$14Earning assets
$0Long-term assets (5+ years)
$217Average Assets, year-to-date
$48,881Average Assets, quarterly
$10,021Volatile liabilities
$54,712Insider loans
$55,110FHLB advances
$4,148Loans and leases held for sale
$4,682Unused loan commitments
$13,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,339Total unused commitments
$0Restructured Loans and leases
$401Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$3,283Total interest income
$1,726Total interest expense
$1,557Net interest income
$20Provision for loan and lease losses
$215Total noninterest income
$0Fiduciary activities
$119Service charges on deposit accounts
$0Trading account gains & fees
$96Additional noninterest income
$1,235Total noninterest expense
$530Salaries and employee benefits
$170Premises and equipment expense
$535Additional noninterest expense
$517Pre-tax net operating income
$39Securities gains (losses)
$152Applicable income taxes
$404Income before extraordinary items
$0Extraordinary gains - net
$404Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$5Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.51%Yield on earning assets
3.42%Cost of funding earning assets
3.09%Net interest margin
0.43%Noninterest income to earning assets
2.45%Noninterest expense to earning assets
0.69%Net operating income to assets
0.74%Return on assets (ROA)
1.02%Pretax return on assets
5.79%Return on equity (ROE)
0.06%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
400.00%Credit loss provision to net charge-offs
107.40%Efficiency ratio
69,695Assets per employee
2.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
99.01%Loss allowance to loans
0.93%Loss allowance to noncurrent loans
2864.29%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.03%Net loans and leases to deposits
128.31%Net loans and leases to core deposits
146.55%Equity capital to assets
12.90%Core capital (leverage) ratio
12.52%Tier 1 risk-based capital ratio
17.65%Total risk-based capital ratio
Memoranda
$19Average assets
$54,712Average earning assets
$6,981Average equity
$50,419Average loans
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