First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Irvington, Kentucky (KY)
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First State Bank routing number info

First State Bank - Overview

General
FDIC Certificate #: 12149
Status: Active
Federal Reserve ID: 565143
Bank Holding Company (Regulatory Top Holder): First Breckinridge Bancshares, Inc. (RSSDID: 1119404, Location: Irvington, KY)
Date Established: January 01, 1903
WWW: http://www.firststatebankky.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 9559
FDIC's unique #: 7718
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: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 17, 2007
Last Structure Change Process Date: August 20, 2007
Last Data Update: August 20, 2007
Data Source Date: April 05, 2012
Location
Address: 240 North First Street, Irvington, KY 40146
County: Breckinridge
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
History of Changes
Change in Location
Financial Summary
Total assets: $157.7 mil
Equity capital: $16.9 mil
Deposits held in domestic offices: $140.0 mil
Return on assets (ROA): 1.56% ($2.5 mil)
Quarterly return on assets: 0.87% ($1.4 mil)
Return on Equity (ROE): 13.61% ($2.3 mil)
Quarterly return on equity: 7.94% ($1.3 mil)
Net income: $2.3 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.34% ($3,690.3 mil)
Quarterly Pretax return on assets: 1.28% ($2,018.6 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
60Total employees (full-time equivalent)
$157,703Total assets
$4,643Cash and due from depository institutions
$386Interest-bearing balances
$48,191Securities
$22,137Federal funds sold & reverse repurchase agreements
$79,771Net loans & leases
$321Loan loss allowance
$0Trading account assets
$410Bank premises and fixed assets
$159Other real estate owned
$0Goodwill and other intangibles
$157,703Life insurance assets
$2,392All other assets
$140,849Total liabilities and capital
$140,030Total liabilities
$104,764Total deposits
$140,030Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$522Trading liabilities
$0Other borrowed funds
$297Subordinated debt
$16,854All other liabilities
$16,854Total equity capital
$16,854Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$4,000Surplus
$11,854Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$561Income earned, not collected on loans
$0Earning assets
$808Long-term assets (5+ years)
$150,485Average Assets, year-to-date
$17,952Average Assets, quarterly
$147,934Volatile liabilities
$154,535Insider loans
$69,081FHLB advances
$155,851Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$16,812Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,584Restructured Loans and leases
$514Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,322Total interest income
$1,003Total interest expense
$6,319Net interest income
$143Provision for loan and lease losses
$2,118Total noninterest income
$0Fiduciary activities
$696Service charges on deposit accounts
$0Trading account gains & fees
$1,422Additional noninterest income
$4,835Total noninterest expense
$2,918Salaries and employee benefits
$528Premises and equipment expense
$1,389Additional noninterest expense
$3,459Pre-tax net operating income
$0Securities gains (losses)
$1,155Applicable income taxes
$2,304Income before extraordinary items
$0Extraordinary gains - net
$2,304Net income attributable to bank
$0Net charge-offs
$2,304Cash dividends
$72Sale, conversion, retirement of capital stock, net
$2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.20%Yield on earning assets
0.71%Cost of funding earning assets
4.49%Net interest margin
1.50%Noninterest income to earning assets
3.43%Noninterest expense to earning assets
1.56%Net operating income to assets
1.56%Return on assets (ROA)
2.34%Pretax return on assets
13.61%Return on equity (ROE)
1.80%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
198.61%Credit loss provision to net charge-offs
50.03%Efficiency ratio
57,307Assets per employee
2.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
86.81%Loss allowance to loans
0.40%Loss allowance to noncurrent loans
57.22%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.70%Net loans and leases to deposits
56.97%Net loans and leases to core deposits
57.80%Equity capital to assets
10.69%Core capital (leverage) ratio
10.79%Tier 1 risk-based capital ratio
24.34%Total risk-based capital ratio
Memoranda
$25Average assets
$147,934Average earning assets
$16,930Average equity
$140,858Average loans

List of branches

3 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7718	First State Bank	240 North First Street, Irvington, KY 40146	January 01, 1903	Full Service Brick and Mortar
1	226375	Hardinsburg Branch	1017 Old Highway 60, Hardinsburg, KY 40143	October 01, 1970	Full Service Brick and Mortar
2	226376	Rough River Branch	9666 South Highway 259, Mcdaniels, KY 40152	March 10, 1977	Full Service Brick and Mortar

First State Bank in Irvington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - 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 State Bank in Irvington, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - 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 State Bank in Irvington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches