Bank of Maysville in Maysville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Maysville - Overview

  • General
  • FDIC Certificate #: 9315
    Status: Active
    Federal Reserve ID: 782016
    Bank Holding Company (Regulatory Top Holder): First Bank Of Kentucky Corporation (RSSDID: 1071575, Location: Maysville, KY)
    Date Established: June 26, 1835
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13508
    FDIC's unique #: 5970
    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: 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: 20 West 2nd Street, Maysville, KY 41056
    County: Mason
    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
    Core Based Statistical Area (CBSA): Maysville, KY (#32500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $117.8 mil
    Equity capital: $21.3 mil
    Deposits held in domestic offices: $94.7 mil
    Return on assets (ROA): 0.95% ($1.1 mil)
    Quarterly return on assets: 0.81% ($1.0 mil)
    Return on Equity (ROE): 5.32% ($1.1 mil)
    Quarterly return on equity: 4.51% ($0.9 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.23% ($1,448.7 mil)
    Quarterly Pretax return on assets: 1.03% ($1,213.1 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, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $117,781Total assets
  • $12,143Cash and due from depository institutions
  • $0Interest-bearing balances
  • $39,349Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $59,417Net loans & leases
  • $615Loan loss allowance
  • $0Trading account assets
  • $3,026Bank premises and fixed assets
  • $0Other real estate owned
  • $2,521Goodwill and other intangibles
  • $117,781Life insurance assets
  • $1,325All other assets
  • $96,457Total liabilities and capital
  • $94,685Total liabilities
  • $82,408Total deposits
  • $94,685Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,772Subordinated debt
  • $21,324All other liabilities
  • $21,324Total equity capital
  • $21,324Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,500Surplus
  • $15,224Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $355Income earned, not collected on loans
  • $0Earning assets
  • $510Long-term assets (5+ years)
  • $98,766Average Assets, year-to-date
  • $55,766Average Assets, quarterly
  • $117,245Volatile liabilities
  • $118,382Insider loans
  • $57,760FHLB advances
  • $113,950Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,238Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,671Restructured Loans and leases
  • $2,750Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,400Total interest income
  • $457Total interest expense
  • $3,943Net interest income
  • $30Provision for loan and lease losses
  • $728Total noninterest income
  • $119Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $251Additional noninterest income
  • $3,289Total noninterest expense
  • $1,840Salaries and employee benefits
  • $285Premises and equipment expense
  • $1,164Additional noninterest expense
  • $1,352Pre-tax net operating income
  • $89Securities gains (losses)
  • $333Applicable income taxes
  • $1,108Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,108Net income attributable to bank
  • $0Net charge-offs
  • $1,108Cash dividends
  • $35Sale, conversion, retirement of capital stock, net
  • $504Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.99%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 5.32%Return on equity (ROE)
  • 2.90%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 85.71%Credit loss provision to net charge-offs
  • 39.49%Efficiency ratio
  • 70,413Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.49%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 173.24%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 62.75%Net loans and leases to core deposits
  • 66.64%Equity capital to assets
  • 18.10%Core capital (leverage) ratio
  • 16.01%Tier 1 risk-based capital ratio
  • 31.58%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $117,245Average earning assets
  • $20,812Average equity
  • $98,863Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $17,589Managed Assets
  • 1Number of Accounts
  • $17,174Personal trust and agency accounts
  • $11,767Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $119Investment management agency accounts
  • $5,288Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 125Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $415Other retirement accounts
  • $14Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05970Bank Of Maysville20 West 2nd Street, Maysville, KY 41056June 26, 1835Full Service Brick and Mortar
    1219882Maysville Branch12 West Third Street, Maysville, KY 41056July 02, 1957Full Service Brick and Mortar
    6480885Aa Highway Branch253 Wal-Mart Way, Maysville, KY 41056August 04, 2008Full Service Brick and Mortar

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