FDIC Certificate #: 9668 Status: Active Federal Reserve ID: 724548 Date Established: January 01, 1895 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13993 FDIC's unique #: 6186 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: June 07, 2010 Last Data Update: June 07, 2010 Data Source Date: April 05, 2012
Location
Address: 123 S Main St, Dixon, KY 42409 County: Webster 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): Evansville, IN-KY (#21780) CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Location
Financial Summary
Total assets: $87.9 mil Equity capital: $15.3 mil Deposits held in domestic offices: $72.1 mil Return on assets (ROA): 0.81% ($0.7 mil) Quarterly return on assets: 1.79% ($1.6 mil) Return on Equity (ROE): 4.69% ($0.7 mil) Quarterly return on equity: 10.25% ($1.5 mil) Net income: $0.7 mil Quarterly Net income: $0.4 mil Pretax return on assets: 0.95% ($834.6 mil) Quarterly Pretax return on assets: 1.57% ($1,379.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
16Total employees (full-time equivalent)
$87,854Total assets
$1,942Cash and due from depository institutions
$62Interest-bearing balances
$57,514Securities
$2,623Federal funds sold & reverse repurchase agreements
$24,383Net loans & leases
$485Loan loss allowance
$0Trading account assets
$75Bank premises and fixed assets
$200Other real estate owned
$0Goodwill and other intangibles
$87,854Life insurance assets
$1,117All other assets
$72,505Total liabilities and capital
$72,114Total liabilities
$66,991Total deposits
$72,114Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$391Subordinated debt
$15,349All other liabilities
$15,349Total equity capital
$15,349Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$5,530Surplus
$9,699Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$538Income earned, not collected on loans
$0Earning assets
$803Long-term assets (5+ years)
$84,582Average Assets, year-to-date
$65,304Average Assets, quarterly
$82,853Volatile liabilities
$87,057Insider loans
$38,478FHLB advances
$88,006Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,769Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,562Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,585Total interest income
$927Total interest expense
$2,658Net interest income
$620Provision for loan and lease losses
$151Total noninterest income
$0Fiduciary activities
$83Service charges on deposit accounts
$0Trading account gains & fees
$68Additional noninterest income
$1,435Total noninterest expense
$735Salaries and employee benefits
$214Premises and equipment expense
$486Additional noninterest expense
$754Pre-tax net operating income
$34Securities gains (losses)
$120Applicable income taxes
$668Income before extraordinary items
$0Extraordinary gains - net
$668Net income attributable to bank
$0Net charge-offs
$668Cash dividends
$694Sale, conversion, retirement of capital stock, net
$6Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
1.16%Cost of funding earning assets
3.33%Net interest margin
0.19%Noninterest income to earning assets
1.80%Noninterest expense to earning assets
0.77%Net operating income to assets
0.81%Return on assets (ROA)
0.95%Pretax return on assets
4.69%Return on equity (ROE)
4.65%Retained earnings to average equity (YTD only)
2.68%Net charge-offs to loans
89.34%Credit loss provision to net charge-offs
1.98%Efficiency ratio
51,086Assets per employee
5.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.90%Loss allowance to loans
1.95%Loss allowance to noncurrent loans
90.15%Noncurrent assets plus other real estate owned to assets
0.84%Noncurrent loans to loans
2.16%Net loans and leases to deposits
33.81%Net loans and leases to core deposits
36.86%Equity capital to assets
17.47%Core capital (leverage) ratio
16.78%Tier 1 risk-based capital ratio
38.38%Total risk-based capital ratio
Memoranda
$40Average assets
$82,853Average earning assets
$14,241Average equity
$79,738Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6186
Dixon Bank
123 S Main St, Dixon, KY 42409
January 01, 1895
Full Service Brick and Mortar
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