Commercial Bank in West Liberty, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Commercial Bank - Overview

  • General
  • FDIC Certificate #: 9310
    Status: Active
    Federal Reserve ID: 358112
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares, Inc., Savings & Employee Stock Ownership Plan (RSSDID: 2538860, Location: West Liberty, KY)
    Date Established: January 01, 1910
    WWW: http://www.commercialbankky.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 10744
    FDIC's unique #: 5965
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2008
    Last Structure Change Process Date: January 14, 2008
    Last Data Update: January 14, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 550 Main Street, West Liberty, KY 41472
    County: Morgan
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $127.4 mil
    Equity capital: $16.2 mil
    Deposits held in domestic offices: $102.0 mil
    Return on assets (ROA): 0.87% ($1.1 mil)
    Quarterly return on assets: 0.28% ($0.4 mil)
    Return on Equity (ROE): 6.75% ($1.1 mil)
    Quarterly return on equity: 2.13% ($0.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.87% ($1,108.8 mil)
    Quarterly Pretax return on assets: 0.28% ($356.9 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
  • 37Total employees (full-time equivalent)
  • $127,449Total assets
  • $4,500Cash and due from depository institutions
  • $8Interest-bearing balances
  • $59,153Securities
  • $10,488Federal funds sold & reverse repurchase agreements
  • $43,399Net loans & leases
  • $648Loan loss allowance
  • $0Trading account assets
  • $2,714Bank premises and fixed assets
  • $7Other real estate owned
  • $3,268Goodwill and other intangibles
  • $127,449Life insurance assets
  • $3,920All other assets
  • $111,290Total liabilities and capital
  • $102,029Total liabilities
  • $84,444Total deposits
  • $102,029Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 7237.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $140Trading liabilities
  • $0Other borrowed funds
  • $1,884Subordinated debt
  • $16,159All other liabilities
  • $16,159Total equity capital
  • $16,159Total bank equity capital
  • $0Perpetual preferred stock
  • $567Common stock
  • $9,496Surplus
  • $6,096Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $448Income earned, not collected on loans
  • $0Earning assets
  • $491Long-term assets (5+ years)
  • $113,048Average Assets, year-to-date
  • $54,284Average Assets, quarterly
  • $125,007Volatile liabilities
  • $125,532Insider loans
  • $56,232FHLB advances
  • $121,735Loans and leases held for sale
  • $2,466Unused loan commitments
  • $2,466Tier 1 (core) risk-based capital
  • $11,329Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,702Restructured Loans and leases
  • $4,523Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,162Total interest income
  • $1,309Total interest expense
  • $3,853Net interest income
  • $107Provision for loan and lease losses
  • $1,040Total noninterest income
  • $0Fiduciary activities
  • $627Service charges on deposit accounts
  • $0Trading account gains & fees
  • $413Additional noninterest income
  • $3,703Total noninterest expense
  • $1,946Salaries and employee benefits
  • $568Premises and equipment expense
  • $1,189Additional noninterest expense
  • $1,083Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $1,084Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,084Net income attributable to bank
  • $0Net charge-offs
  • $1,084Cash dividends
  • $115Sale, conversion, retirement of capital stock, net
  • $730Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 6.75%Return on equity (ROE)
  • 2.21%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 93.04%Credit loss provision to net charge-offs
  • 10.35%Efficiency ratio
  • 75,680Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.34%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 144.64%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 42.54%Net loans and leases to core deposits
  • 43.21%Equity capital to assets
  • 12.68%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 20.15%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $125,007Average earning assets
  • $16,054Average equity
  • $110,328Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05965Commercial Bank550 Main Street, West Liberty, KY 41472January 01, 1910Full Service Brick and Mortar

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