First Kentucky Bank, Inc. in city_name, state_name - Detailed Financial Reports, Location

First Kentucky Bank, Inc. in Mayfield, Kentucky (KY)
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First Kentucky Bank, Inc. routing number info

First Kentucky Bank, Inc. - Overview

General
FDIC Certificate #: 21247
Status: Active
Federal Reserve ID: 263243
Bank Holding Company (Regulatory Top Holder): Exchange Bancshares, Inc. (RSSDID: 1096176, Location: Mayfield, KY)
Date Established: January 01, 1899
WWW: http://www.firstkentucky.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 12 (Domestic: 12, Interstate: No)
OTS Docket #: 10753
FDIC's unique #: 14693
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: September 24, 1973
Last Structure Change Effective Date: October 21, 2006
Last Structure Change Process Date: October 25, 2006
Last Data Update: October 25, 2006
Data Source Date: April 05, 2012
Location
Address: 223 South Sixth Street, Mayfield, KY 42066
County: Graves
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
Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424)
Core Based Statistical Area (CBSA): Mayfield, KY (#32460)
CBSA Micro Statistical Area: Yes
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $369.9 mil
Equity capital: $36.9 mil
Deposits held in domestic offices: $313.6 mil
Return on assets (ROA): 1.24% ($4.6 mil)
Quarterly return on assets: 1.12% ($4.1 mil)
Return on Equity (ROE): 12.39% ($4.6 mil)
Quarterly return on equity: 11.01% ($4.1 mil)
Net income: $4.6 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.24% ($4,586.4 mil)
Quarterly Pretax return on assets: 1.12% ($4,142.5 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
129Total employees (full-time equivalent)
$369,867Total assets
$8,931Cash and due from depository institutions
$22Interest-bearing balances
$73,730Securities
$1,648Federal funds sold & reverse repurchase agreements
$263,055Net loans & leases
$3,599Loan loss allowance
$0Trading account assets
$13,770Bank premises and fixed assets
$352Other real estate owned
$1,966Goodwill and other intangibles
$369,867Life insurance assets
$6,415All other assets
$333,015Total liabilities and capital
$313,650Total liabilities
$252,217Total deposits
$313,650Interest-bearing deposits
$95Deposits held in domestic offices
2265.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$14,573Trading liabilities
$0Other borrowed funds
$2,527Subordinated debt
$36,852All other liabilities
$36,852Total equity capital
$36,852Total bank equity capital
$0Perpetual preferred stock
$90Common stock
$26,301Surplus
$10,461Undivided profits
Memoranda
$0Noncurrent loans and leases
$766Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,611Income earned, not collected on loans
$1,055Earning assets
$1,871Long-term assets (5+ years)
$338,455Average Assets, year-to-date
$166,793Average Assets, quarterly
$368,244Volatile liabilities
$368,856Insider loans
$248,397FHLB advances
$364,257Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$32,214Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$27,794Restructured Loans and leases
$456Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$18,172Total interest income
$3,160Total interest expense
$15,012Net interest income
$1,000Provision for loan and lease losses
$2,670Total noninterest income
$0Fiduciary activities
$1,653Service charges on deposit accounts
$0Trading account gains & fees
$1,017Additional noninterest income
$12,214Total noninterest expense
$6,124Salaries and employee benefits
$1,838Premises and equipment expense
$4,252Additional noninterest expense
$4,468Pre-tax net operating income
$99Securities gains (losses)
$0Applicable income taxes
$4,567Income before extraordinary items
$0Extraordinary gains - net
$4,567Net income attributable to bank
$0Net charge-offs
$4,567Cash dividends
$892Sale, conversion, retirement of capital stock, net
$4,935Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.37%Yield on earning assets
0.93%Cost of funding earning assets
4.44%Net interest margin
0.79%Noninterest income to earning assets
3.61%Noninterest expense to earning assets
1.21%Net operating income to assets
1.24%Return on assets (ROA)
1.24%Pretax return on assets
12.39%Return on equity (ROE)
-1.00%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
112.11%Credit loss provision to net charge-offs
6.13%Efficiency ratio
66,893Assets per employee
2.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
108.06%Loss allowance to loans
1.35%Loss allowance to noncurrent loans
137.84%Noncurrent assets plus other real estate owned to assets
0.80%Noncurrent loans to loans
0.98%Net loans and leases to deposits
83.87%Net loans and leases to core deposits
87.05%Equity capital to assets
9.96%Core capital (leverage) ratio
8.84%Tier 1 risk-based capital ratio
12.97%Total risk-based capital ratio
Memoranda
$14Average assets
$368,244Average earning assets
$36,854Average equity
$338,212Average loans

List of branches

11 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	14693	First Kentucky Bank, Inc.	223 South Sixth Street, Mayfield, KY 42066	January 01, 1899	Full Service Brick and Mortar
1	252526	Drive-Up Facility	214 South Seventh Street, Mayfield, KY 42066	March 08, 1982	Limited Service Facility
2	41796	Central City Branch	109 North Second Street, Central City, KY 42330	June 01, 1934	Full Service Brick and Mortar
3	271955	Greenville Branch	145 North Main Street, Greenville, KY 42345	June 01, 1934	Full Service Brick and Mortar
8	364482	South Office Branch	1708 State Route 121 South, Mayfield, KY 42066	September 12, 2001	Full Service Brick and Mortar
9	425707	Draffenville Branch	30 U.S. Highway 68 West, Benton, KY 42025	Febuary 02, 2004	Full Service Brick and Mortar
10	5173	Bardwell Branch	400 Us Hwy 51 North, Bardwell, KY 42023	January 01, 1895	Full Service Brick and Mortar
11	217961	Cunningham Branch	8141 Ushwy 62, Cunningham, KY 42035	January 03, 1977	Full Service Brick and Mortar
13	465428	Benton Branch	605 Main Street, Benton, KY 42025	September 08, 2006	Full Service Brick and Mortar
14	478470	Grand Rivers Branch	1861 Jh O'bryan Avenue, Grand Rivers, KY 42045	July 11, 2007	Full Service Brick and Mortar
15	529943	Beaver Dam Ky Branch	1331 North Main Street, Beaver Dam, KY 42320	March 19, 2012	Full Service Brick and Mortar

First Kentucky Bank, Inc. in Mayfield, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Kentucky Bank, 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:

First Kentucky Bank, Inc. in Mayfield, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First Kentucky Bank, 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:

First Kentucky Bank, Inc. in Mayfield, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches