The Commercial Bank of Grayson in Grayson, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Commercial Bank of Grayson in Grayson, Kentucky (KY)
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The Commercial Bank of Grayson routing number info

The Commercial Bank of Grayson - Overview

  • General
  • FDIC Certificate #: 10137
    Status: Active
    Federal Reserve ID: 812614
    Bank Holding Company (Regulatory Top Holder): Commercial Grayson Bancshares Inc. (RSSDID: 1071810, Location: Grayson, KY)
    Date Established: January 01, 1891
    WWW: http://www.cbgrayson.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 #: 9476
    FDIC's unique #: 6488
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 208 East Main Street, Grayson, KY 41143
    County: Carter
    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
    Metropolitan Statistical Area (MSA): Huntington-Ashland, WV-KY-OH (#3400)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.0 mil
    Equity capital: $26.5 mil
    Deposits held in domestic offices: $137.4 mil
    Return on assets (ROA): 0.76% ($1.3 mil)
    Quarterly return on assets: 0.77% ($1.3 mil)
    Return on Equity (ROE): 4.69% ($1.2 mil)
    Quarterly return on equity: 4.75% ($1.2 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.97% ($1,610.1 mil)
    Quarterly Pretax return on assets: 0.98% ($1,626.7 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
  • 67Total employees (full-time equivalent)
  • $165,993Total assets
  • $10,487Cash and due from depository institutions
  • $567Interest-bearing balances
  • $85,289Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,681Net loans & leases
  • $1,228Loan loss allowance
  • $0Trading account assets
  • $2,408Bank premises and fixed assets
  • $0Other real estate owned
  • $150Goodwill and other intangibles
  • $165,993Life insurance assets
  • $2,978All other assets
  • $139,506Total liabilities and capital
  • $137,383Total liabilities
  • $101,765Total deposits
  • $137,383Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,123Subordinated debt
  • $26,487All other liabilities
  • $26,487Total equity capital
  • $26,487Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $7,000Surplus
  • $18,487Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $372Income earned, not collected on loans
  • $0Earning assets
  • $1,084Long-term assets (5+ years)
  • $150,537Average Assets, year-to-date
  • $35,632Average Assets, quarterly
  • $165,390Volatile liabilities
  • $165,611Insider loans
  • $85,513FHLB advances
  • $163,749Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,665Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,990Restructured Loans and leases
  • $530Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,884Total interest income
  • $422Total interest expense
  • $6,462Net interest income
  • $90Provision for loan and lease losses
  • $1,046Total noninterest income
  • $0Fiduciary activities
  • $417Service charges on deposit accounts
  • $0Trading account gains & fees
  • $629Additional noninterest income
  • $5,813Total noninterest expense
  • $3,489Salaries and employee benefits
  • $426Premises and equipment expense
  • $1,898Additional noninterest expense
  • $1,605Pre-tax net operating income
  • -$1Securities gains (losses)
  • $355Applicable income taxes
  • $1,249Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,249Net income attributable to bank
  • $0Net charge-offs
  • $1,249Cash dividends
  • $73Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 4.37%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 4.69%Return on equity (ROE)
  • 0.56%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 123.29%Credit loss provision to net charge-offs
  • 23.22%Efficiency ratio
  • 77,424Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.07%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 330.11%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 47.08%Net loans and leases to core deposits
  • 47.58%Equity capital to assets
  • 15.96%Core capital (leverage) ratio
  • 15.67%Tier 1 risk-based capital ratio
  • 30.01%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $165,390Average earning assets
  • $26,614Average equity
  • $148,001Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06488The Commercial Bank Of Grayson208 East Main Street, Grayson, KY 41143January 01, 1891Full Service Brick and Mortar
    1221909Interchange Branch109 Carol Malone Blvd, Grayson, KY 41143January 05, 1976Full Service Brick and Mortar
    25592Olive Hill BranchTom T. Hall Boulevard, Olive Hill, KY 41164January 01, 1913Full Service Brick and Mortar

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