FDIC Certificate #: 21342 Status: Active Federal Reserve ID: 62044 Bank Holding Company (Regulatory Top Holder): Sebree Bankcorp (RSSDID: 1134229, Location: Sebree, KY) Date Established: January 01, 1890 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 #: 9643 FDIC's unique #: 14767 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: November 27, 1973 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 147 West Main Street, Sebree, KY 42455 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
Financial Summary
Total assets: $22.1 mil Equity capital: $2.5 mil Deposits held in domestic offices: $19.2 mil Return on assets (ROA): -0.31% (-$0.1 mil) Quarterly return on assets: -0.45% (-$0.1 mil) Return on Equity (ROE): -2.52% (-$0.1 mil) Quarterly return on equity: -3.91% (-$0.1 mil) Net income: -$0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.32% (-$70.7 mil) Quarterly Pretax return on assets: -0.45% (-$99.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$22,091Total assets
$4,031Cash and due from depository institutions
$2,004Interest-bearing balances
$2,386Securities
$3,000Federal funds sold & reverse repurchase agreements
$10,575Net loans & leases
$274Loan loss allowance
$0Trading account assets
$877Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$22,091Life insurance assets
$1,222All other assets
$19,547Total liabilities and capital
$19,212Total liabilities
$14,672Total deposits
$19,212Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$109Trading liabilities
$0Other borrowed funds
$226Subordinated debt
$2,544All other liabilities
$2,544Total equity capital
$2,544Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$300Surplus
$2,044Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$11Income earned, not collected on loans
$0Earning assets
$56Long-term assets (5+ years)
$17,965Average Assets, year-to-date
$6,325Average Assets, quarterly
$21,018Volatile liabilities
$22,041Insider loans
$14,320FHLB advances
$22,285Loans and leases held for sale
$717Unused loan commitments
$717Tier 1 (core) risk-based capital
$2,547Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$751Restructured Loans and leases
$374Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$841Total interest income
$200Total interest expense
$641Net interest income
$0Provision for loan and lease losses
$97Total noninterest income
$0Fiduciary activities
$42Service charges on deposit accounts
$0Trading account gains & fees
$55Additional noninterest income
$806Total noninterest expense
$340Salaries and employee benefits
$126Premises and equipment expense
$340Additional noninterest expense
-$68Pre-tax net operating income
$0Securities gains (losses)
-$3Applicable income taxes
-$65Income before extraordinary items
$0Extraordinary gains - net
-$65Net income attributable to bank
$0Net charge-offs
-$65Cash dividends
-$8Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
1.15%Cost of funding earning assets
3.67%Net interest margin
0.56%Noninterest income to earning assets
4.61%Noninterest expense to earning assets
-0.31%Net operating income to assets
-0.31%Return on assets (ROA)
-0.32%Pretax return on assets
-2.52%Return on equity (ROE)
-2.52%Retained earnings to average equity (YTD only)
-0.07%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
109,214Assets per employee
2.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.53%Loss allowance to noncurrent loans
2490.91%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.10%Net loans and leases to deposits
55.04%Net loans and leases to core deposits
56.55%Equity capital to assets
11.52%Core capital (leverage) ratio
11.43%Tier 1 risk-based capital ratio
17.79%Total risk-based capital ratio
Memoranda
$19Average assets
$21,018Average earning assets
$2,580Average equity
$17,465Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14767
Sebree Deposit Bank
147 West Main Street, Sebree, KY 42455
January 01, 1890
Full Service Brick and Mortar
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