United Kentucky Bank of Pendleton County, Inc. - Overview
General
FDIC Certificate #: 33707 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Bank of Kentucky, Inc. (#33022) Federal Reserve ID: 1996762 Date Established: October 26, 1992 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 12683 FDIC's unique #: 47816 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: October 26, 1992 Last Structure Change Effective Date: October 28, 2011 Last Structure Change Process Date: November 10, 2011 Last Data Update: November 10, 2011 Data Source Date: April 05, 2012
Location
Address: 515 Barkley Street, Falmouth, KY 41040 County: Pendleton 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): Cincinnati, OH-KY-IN (#1640) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
Financial Summary
Total assets: $25.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
7Total employees (full-time equivalent)
$29,626Total assets
$3,676Cash and due from depository institutions
$299Interest-bearing balances
$7,822Securities
$791Federal funds sold & reverse repurchase agreements
$15,819Net loans & leases
$395Loan loss allowance
$0Trading account assets
$513Bank premises and fixed assets
$250Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$755All other assets
$29,626Total liabilities and capital
$26,364Total liabilities
$26,280Total deposits
$23,205Interest-bearing deposits
$26,280Deposits held in domestic offices
88.85%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$84All other liabilities
$3,262Total equity capital
$3,262Total bank equity capital
$3,262Perpetual preferred stock
$0Common stock
$200Surplus
$1,800Undivided profits
Memoranda
$1,262Noncurrent loans and leases
$325Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$216Earning assets
$0Long-term assets (5+ years)
$260Average Assets, year-to-date
$24,731Average Assets, quarterly
$904Volatile liabilities
$29,569Insider loans
$29,429FHLB advances
$4,246Loans and leases held for sale
$836Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$325Total unused commitments
$185Restructured Loans and leases
$231Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$1,236Total interest income
$275Total interest expense
$961Net interest income
$55Provision for loan and lease losses
$110Total noninterest income
$0Fiduciary activities
$118Service charges on deposit accounts
$0Trading account gains & fees
-$8Additional noninterest income
$892Total noninterest expense
$319Salaries and employee benefits
$94Premises and equipment expense
$479Additional noninterest expense
$124Pre-tax net operating income
$0Securities gains (losses)
$30Applicable income taxes
$94Income before extraordinary items
$0Extraordinary gains - net
$94Net income attributable to bank
$0Net charge-offs
$94Cash dividends
$24Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.05%Yield on earning assets
1.12%Cost of funding earning assets
3.93%Net interest margin
0.45%Noninterest income to earning assets
3.65%Noninterest expense to earning assets
0.32%Net operating income to assets
0.32%Return on assets (ROA)
0.42%Pretax return on assets
2.93%Return on equity (ROE)
2.93%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
229.17%Credit loss provision to net charge-offs
7.46%Efficiency ratio
83,287Assets per employee
4.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.44%Loss allowance to noncurrent loans
182.87%Noncurrent assets plus other real estate owned to assets
1.57%Noncurrent loans to loans
1.33%Net loans and leases to deposits
60.19%Net loans and leases to core deposits
71.79%Equity capital to assets
11.01%Core capital (leverage) ratio
10.75%Tier 1 risk-based capital ratio
17.79%Total risk-based capital ratio
Memoranda
$19Average assets
$29,569Average earning assets
$3,203Average equity
$24,452Average loans
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