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


Dixon Bank - Overview

  • General
  • FDIC Certificate #: 9668
    Status: Active
    Federal Reserve ID: 724548
    Date Established: January 01, 1895
    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 #: 13993
    FDIC's unique #: 6186
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 07, 2010
    Last Data Update: June 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 123 S Main St, Dixon, KY 42409
    County: Webster
    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): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $87.9 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $72.1 mil
    Return on assets (ROA): 0.81% ($0.7 mil)
    Quarterly return on assets: 1.79% ($1.6 mil)
    Return on Equity (ROE): 4.69% ($0.7 mil)
    Quarterly return on equity: 10.25% ($1.5 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.95% ($834.6 mil)
    Quarterly Pretax return on assets: 1.57% ($1,379.3 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
  • 16Total employees (full-time equivalent)
  • $87,854Total assets
  • $1,942Cash and due from depository institutions
  • $62Interest-bearing balances
  • $57,514Securities
  • $2,623Federal funds sold & reverse repurchase agreements
  • $24,383Net loans & leases
  • $485Loan loss allowance
  • $0Trading account assets
  • $75Bank premises and fixed assets
  • $200Other real estate owned
  • $0Goodwill and other intangibles
  • $87,854Life insurance assets
  • $1,117All other assets
  • $72,505Total liabilities and capital
  • $72,114Total liabilities
  • $66,991Total deposits
  • $72,114Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $391Subordinated debt
  • $15,349All other liabilities
  • $15,349Total equity capital
  • $15,349Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $5,530Surplus
  • $9,699Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $538Income earned, not collected on loans
  • $0Earning assets
  • $803Long-term assets (5+ years)
  • $84,582Average Assets, year-to-date
  • $65,304Average Assets, quarterly
  • $82,853Volatile liabilities
  • $87,057Insider loans
  • $38,478FHLB advances
  • $88,006Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,769Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,562Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,585Total interest income
  • $927Total interest expense
  • $2,658Net interest income
  • $620Provision for loan and lease losses
  • $151Total noninterest income
  • $0Fiduciary activities
  • $83Service charges on deposit accounts
  • $0Trading account gains & fees
  • $68Additional noninterest income
  • $1,435Total noninterest expense
  • $735Salaries and employee benefits
  • $214Premises and equipment expense
  • $486Additional noninterest expense
  • $754Pre-tax net operating income
  • $34Securities gains (losses)
  • $120Applicable income taxes
  • $668Income before extraordinary items
  • $0Extraordinary gains - net
  • $668Net income attributable to bank
  • $0Net charge-offs
  • $668Cash dividends
  • $694Sale, conversion, retirement of capital stock, net
  • $6Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 1.80%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 4.69%Return on equity (ROE)
  • 4.65%Retained earnings to average equity (YTD only)
  • 2.68%Net charge-offs to loans
  • 89.34%Credit loss provision to net charge-offs
  • 1.98%Efficiency ratio
  • 51,086Assets per employee
  • 5.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.90%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 90.15%Noncurrent assets plus other real estate owned to assets
  • 0.84%Noncurrent loans to loans
  • 2.16%Net loans and leases to deposits
  • 33.81%Net loans and leases to core deposits
  • 36.86%Equity capital to assets
  • 17.47%Core capital (leverage) ratio
  • 16.78%Tier 1 risk-based capital ratio
  • 38.38%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $82,853Average earning assets
  • $14,241Average equity
  • $79,738Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06186Dixon Bank123 S Main St, Dixon, KY 42409January 01, 1895Full Service Brick and Mortar

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