Bank of Ohio County, Inc. in Beaver Dam, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Ohio County, Inc. - Overview

  • General
  • FDIC Certificate #: 9304
    Status: Active
    Federal Reserve ID: 912943
    Bank Holding Company (Regulatory Top Holder): Town & Country Financial, Inc. (RSSDID: 1135888, Location: Beaver Dam, KY)
    Date Established: December 05, 1922
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9598
    FDIC's unique #: 5959
    Numeric code: 13
    Regulator: FED
    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: Febuary 22, 2010
    Last Structure Change Process Date: Febuary 24, 2010
    Last Data Update: Febuary 24, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1500 Bill Monroe Memorial Boulevard, Beaver Dam, KY 42320
    County: Ohio
    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
  • History of Changes
  • Corrections
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $90.4 mil
    Equity capital: $16.9 mil
    Deposits held in domestic offices: $73.1 mil
    Return on assets (ROA): 2.31% ($2.1 mil)
    Quarterly return on assets: 1.71% ($1.5 mil)
    Return on Equity (ROE): 13.33% ($2.3 mil)
    Quarterly return on equity: 9.29% ($1.6 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 2.31% ($2,087.7 mil)
    Quarterly Pretax return on assets: 1.71% ($1,545.4 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
  • 21Total employees (full-time equivalent)
  • $90,375Total assets
  • $2,745Cash and due from depository institutions
  • $269Interest-bearing balances
  • $33,341Securities
  • $7,559Federal funds sold & reverse repurchase agreements
  • $42,687Net loans & leases
  • $542Loan loss allowance
  • $0Trading account assets
  • $1,632Bank premises and fixed assets
  • $673Other real estate owned
  • $0Goodwill and other intangibles
  • $90,375Life insurance assets
  • $1,738All other assets
  • $73,471Total liabilities and capital
  • $73,065Total liabilities
  • $63,826Total deposits
  • $73,065Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $406Subordinated debt
  • $16,904All other liabilities
  • $16,904Total equity capital
  • $16,904Total bank equity capital
  • $0Perpetual preferred stock
  • $90Common stock
  • $6,590Surplus
  • $10,224Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $426Income earned, not collected on loans
  • $0Earning assets
  • $489Long-term assets (5+ years)
  • $83,856Average Assets, year-to-date
  • $37,868Average Assets, quarterly
  • $92,027Volatile liabilities
  • $90,544Insider loans
  • $57,858FHLB advances
  • $88,650Loans and leases held for sale
  • $316Unused loan commitments
  • $316Tier 1 (core) risk-based capital
  • $16,349Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,037Restructured Loans and leases
  • $38Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,751Total interest income
  • $716Total interest expense
  • $4,035Net interest income
  • $209Provision for loan and lease losses
  • $398Total noninterest income
  • $0Fiduciary activities
  • $269Service charges on deposit accounts
  • $0Trading account gains & fees
  • $129Additional noninterest income
  • $2,097Total noninterest expense
  • $956Salaries and employee benefits
  • $280Premises and equipment expense
  • $861Additional noninterest expense
  • $2,127Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,127Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,127Net income attributable to bank
  • $0Net charge-offs
  • $2,127Cash dividends
  • $212Sale, conversion, retirement of capital stock, net
  • $1,022Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.55%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.71%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 2.31%Net operating income to assets
  • 2.31%Return on assets (ROA)
  • 2.31%Pretax return on assets
  • 13.33%Return on equity (ROE)
  • 6.92%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 98.58%Credit loss provision to net charge-offs
  • 11.02%Efficiency ratio
  • 47,304Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.05%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 127.23%Noncurrent assets plus other real estate owned to assets
  • 1.22%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 58.42%Net loans and leases to core deposits
  • 59.12%Equity capital to assets
  • 18.70%Core capital (leverage) ratio
  • 18.44%Tier 1 risk-based capital ratio
  • 28.26%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $92,027Average earning assets
  • $15,962Average equity
  • $85,614Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05959Bank Of Ohio County, Inc.1500 Bill Monroe Memorial Boulevard, Beaver Dam, KY 42320December 05, 1922Full Service Brick and Mortar
    1219859Dundee Branch11658 Kentucky Highway 69 North, Dundee, KY 42338April 29, 1991Full Service Brick and Mortar

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