Bank of Edmonson County in Brownsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Edmonson County - Overview

  • General
  • FDIC Certificate #: 296
    Status: Active
    Federal Reserve ID: 903240
    Bank Holding Company (Regulatory Top Holder): Edmonson Bancshares, Inc (RSSDID: 2155397, Location: Brownsville, KY)
    Date Established: January 01, 1925
    WWW: http://www.bankofedmonson.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10546
    FDIC's unique #: 239
    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: All Other Specialization < 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: 109 N Main Street, Brownsville, KY 42210
    County: Edmonson
    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): Bowling Green, KY (#14540)
    CBSA Metro Statistical Area: Bowling Green, KY (#14540)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $199.1 mil
    Equity capital: $22.6 mil
    Deposits held in domestic offices: $169.6 mil
    Return on assets (ROA): 1.02% ($2.0 mil)
    Quarterly return on assets: 1.35% ($2.7 mil)
    Return on Equity (ROE): 9.21% ($2.1 mil)
    Quarterly return on equity: 11.85% ($2.7 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.02% ($2,030.7 mil)
    Quarterly Pretax return on assets: 1.35% ($2,687.7 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
  • 51Total employees (full-time equivalent)
  • $199,092Total assets
  • $4,170Cash and due from depository institutions
  • $372Interest-bearing balances
  • $53,905Securities
  • $1,068Federal funds sold & reverse repurchase agreements
  • $130,518Net loans & leases
  • $1,419Loan loss allowance
  • $0Trading account assets
  • $4,377Bank premises and fixed assets
  • $808Other real estate owned
  • $0Goodwill and other intangibles
  • $199,092Life insurance assets
  • $4,246All other assets
  • $176,509Total liabilities and capital
  • $169,584Total liabilities
  • $154,843Total deposits
  • $169,584Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,380Trading liabilities
  • $0Other borrowed funds
  • $545Subordinated debt
  • $22,583All other liabilities
  • $22,583Total equity capital
  • $22,583Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $4,850Surplus
  • $17,333Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,137Income earned, not collected on loans
  • $581Earning assets
  • $1,206Long-term assets (5+ years)
  • $185,863Average Assets, year-to-date
  • $39,575Average Assets, quarterly
  • $197,112Volatile liabilities
  • $197,915Insider loans
  • $127,048FHLB advances
  • $199,096Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,289Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,016Restructured Loans and leases
  • $94Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,606Total interest income
  • $2,821Total interest expense
  • $6,785Net interest income
  • $376Provision for loan and lease losses
  • $781Total noninterest income
  • $0Fiduciary activities
  • $499Service charges on deposit accounts
  • $0Trading account gains & fees
  • $282Additional noninterest income
  • $5,176Total noninterest expense
  • $2,282Salaries and employee benefits
  • $626Premises and equipment expense
  • $2,268Additional noninterest expense
  • $2,014Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $2,015Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,015Net income attributable to bank
  • $0Net charge-offs
  • $2,015Cash dividends
  • $478Sale, conversion, retirement of capital stock, net
  • $1,260Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 9.21%Return on equity (ROE)
  • 3.45%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 78.66%Credit loss provision to net charge-offs
  • 5.00%Efficiency ratio
  • 68,411Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.53%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 124.80%Noncurrent assets plus other real estate owned to assets
  • 0.98%Noncurrent loans to loans
  • 0.86%Net loans and leases to deposits
  • 76.96%Net loans and leases to core deposits
  • 82.76%Equity capital to assets
  • 11.34%Core capital (leverage) ratio
  • 10.69%Tier 1 risk-based capital ratio
  • 16.76%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $197,112Average earning assets
  • $21,871Average equity
  • $184,941Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0239Bank Of Edmonson County109 N Main Street, Brownsville, KY 42210January 01, 1925Full Service Brick and Mortar
    1442632Boec Branch Office Branch6780 Louisville Rd, Bowling Green, KY 42101October 27, 2004Full Service Brick and Mortar

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