First Security Bank of Kentucky in city_name, state_name - Detailed Financial Reports, Location

First Security Bank of Kentucky in Central City, Kentucky (KY)
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First Security Bank of Kentucky routing number info

First Security Bank of Kentucky - Overview

General
FDIC Certificate #: 19106
Status: Active
Federal Reserve ID: 633341
Bank Holding Company (Regulatory Top Holder): Community Bancorp Of Kentucky, Inc. (RSSDID: 1119440, Location: Central City, KY)
Date Established: January 04, 1904
WWW: http://www.fsbky.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 11713
FDIC's unique #: 12938
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 16, 1964
Last Structure Change Effective Date: August 24, 2011
Last Structure Change Process Date: September 09, 2011
Last Data Update: September 09, 2011
Data Source Date: April 05, 2012
Location
Address: 110 North First Street, Central City, KY 42330
County: Muhlenberg
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): Central City, KY (#16420)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $68.7 mil
Equity capital: $5.5 mil
Deposits held in domestic offices: $58.9 mil
Return on assets (ROA): 0.42% ($0.3 mil)
Quarterly return on assets: 0.53% ($0.4 mil)
Return on Equity (ROE): 5.29% ($0.3 mil)
Quarterly return on equity: 6.81% ($0.3 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.42% ($288.4 mil)
Quarterly Pretax return on assets: 0.53% ($363.9 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
26Total employees (full-time equivalent)
$68,667Total assets
$7,334Cash and due from depository institutions
$4,080Interest-bearing balances
$3,864Securities
$86Federal funds sold & reverse repurchase agreements
$53,934Net loans & leases
$783Loan loss allowance
$0Trading account assets
$1,676Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$68,667Life insurance assets
$1,773All other assets
$63,196Total liabilities and capital
$58,866Total liabilities
$51,230Total deposits
$58,866Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,056Trading liabilities
$0Other borrowed funds
$274Subordinated debt
$5,471All other liabilities
$5,471Total equity capital
$5,471Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$5,692Surplus
$-271Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,303Income earned, not collected on loans
$0Earning assets
$540Long-term assets (5+ years)
$61,964Average Assets, year-to-date
$3,301Average Assets, quarterly
$63,835Volatile liabilities
$67,451Insider loans
$51,284FHLB advances
$68,071Loans and leases held for sale
$381Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,377Tier 2 risk-based capital
$0Total risk weighted assets
$381Total unused commitments
$4,447Restructured Loans and leases
$1,041Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,476Total interest income
$753Total interest expense
$2,723Net interest income
$255Provision for loan and lease losses
$415Total noninterest income
$0Fiduciary activities
$215Service charges on deposit accounts
$0Trading account gains & fees
$200Additional noninterest income
$2,618Total noninterest expense
$1,295Salaries and employee benefits
$340Premises and equipment expense
$983Additional noninterest expense
$265Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$265Income before extraordinary items
$0Extraordinary gains - net
$265Net income attributable to bank
$0Net charge-offs
$265Cash dividends
$67Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.86%Yield on earning assets
1.27%Cost of funding earning assets
4.59%Net interest margin
0.70%Noninterest income to earning assets
4.41%Noninterest expense to earning assets
0.42%Net operating income to assets
0.42%Return on assets (ROA)
0.42%Pretax return on assets
5.29%Return on equity (ROE)
5.29%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
380.60%Credit loss provision to net charge-offs
7.76%Efficiency ratio
83,429Assets per employee
2.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
60.09%Noncurrent assets plus other real estate owned to assets
1.90%Noncurrent loans to loans
2.38%Net loans and leases to deposits
91.62%Net loans and leases to core deposits
103.14%Equity capital to assets
7.97%Core capital (leverage) ratio
7.90%Tier 1 risk-based capital ratio
10.48%Total risk-based capital ratio
Memoranda
$12Average assets
$63,835Average earning assets
$5,008Average equity
$59,329Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$866Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
14Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$866Other retirement accounts
$22Corporate trust and agency accounts
$0Other fiduciary accounts
$783Fiduciary accounts held in foreign offices

List of branches

5 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	12938	First Security Bank Of Kentucky	110 North First Street, Central City, KY 42330	January 04, 1904	Full Service Brick and Mortar
3	479179	Livermore Office Branch	201 East Third Street, Livermore, KY 42352	December 03, 2007	Full Service Brick and Mortar
4	510229	Greenville Branch	112 West Depot Street, Greenville, KY 42345	June 30, 2010	Full Service Brick and Mortar
5	521547	Central City Branch	110 North First Street, Central City, KY 42330	July 18, 2011	Full Service Brick and Mortar
6	522243	Calhoun Ky Branch	One Veterans Memorial Drive, Calhoun, KY 42327	August 24, 2011	Full Service Brick and Mortar

First Security Bank of Kentucky in Central City, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank of Kentucky - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Security Bank of Kentucky in Central City, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank of Kentucky - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Security Bank of Kentucky in Central City, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches