FDIC Certificate #: 58112 Status: Active Federal Reserve ID: 3462449 Date Established: August 07, 2006 WWW:http://www.louisacommunitybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 439964 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: Commercial Lending Specialization Date of Deposit Insurance: August 07, 2006 Last Structure Change Effective Date: Febuary 10, 2011 Last Structure Change Process Date: Febuary 10, 2011 Last Data Update: Febuary 10, 2011 Data Source Date: April 05, 2012
Location
Address: 4373 Ushwy 2565, Louisa, KY 41230 County: Lawrence Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Lexington Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast
Financial Summary
Total assets: $29.1 mil Equity capital: $4.2 mil Deposits held in domestic offices: $22.3 mil Return on assets (ROA): 0.57% ($0.2 mil) Quarterly return on assets: 0.72% ($0.2 mil) Return on Equity (ROE): 3.88% ($0.2 mil) Quarterly return on equity: 5.02% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.57% ($165.8 mil) Quarterly Pretax return on assets: 0.72% ($209.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$29,094Total assets
$1,872Cash and due from depository institutions
$499Interest-bearing balances
$2,308Securities
$199Federal funds sold & reverse repurchase agreements
$23,211Net loans & leases
$498Loan loss allowance
$0Trading account assets
$1,176Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,094Life insurance assets
$328All other assets
$24,928Total liabilities and capital
$22,268Total liabilities
$20,052Total deposits
$22,268Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,544Trading liabilities
$0Other borrowed funds
$116Subordinated debt
$4,166All other liabilities
$4,166Total equity capital
$4,166Total bank equity capital
$0Perpetual preferred stock
$1,524Common stock
$4,321Surplus
$-1,679Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$881Income earned, not collected on loans
$0Earning assets
$92Long-term assets (5+ years)
$26,217Average Assets, year-to-date
$3,954Average Assets, quarterly
$27,629Volatile liabilities
$28,702Insider loans
$22,795FHLB advances
$28,553Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,083Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$747Restructured Loans and leases
$1,847Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,453Total interest income
$252Total interest expense
$1,201Net interest income
$182Provision for loan and lease losses
$288Total noninterest income
$0Fiduciary activities
$156Service charges on deposit accounts
$0Trading account gains & fees
$132Additional noninterest income
$1,150Total noninterest expense
$483Salaries and employee benefits
$189Premises and equipment expense
$478Additional noninterest expense
$157Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$157Income before extraordinary items
$0Extraordinary gains - net
$157Net income attributable to bank
$0Net charge-offs
$157Cash dividends
$144Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.83%Yield on earning assets
1.01%Cost of funding earning assets
4.82%Net interest margin
1.16%Noninterest income to earning assets
4.62%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.57%Pretax return on assets
3.88%Return on equity (ROE)
3.88%Retained earnings to average equity (YTD only)
0.65%Net charge-offs to loans
126.39%Credit loss provision to net charge-offs
2.35%Efficiency ratio
77,233Assets per employee
2.42%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.10%Loss allowance to noncurrent loans
56.53%Noncurrent assets plus other real estate owned to assets
3.03%Noncurrent loans to loans
3.72%Net loans and leases to deposits
104.23%Net loans and leases to core deposits
136.53%Equity capital to assets
14.32%Core capital (leverage) ratio
14.30%Tier 1 risk-based capital ratio
17.91%Total risk-based capital ratio
Memoranda
$19Average assets
$27,629Average earning assets
$4,044Average equity
$24,913Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
439964
Louisa Community Bank
4373 Ushwy 2565, Louisa, KY 41230
August 07, 2006
Full Service Brick and Mortar
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