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
    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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Edmonson County.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents