Edmonton State Bank in Glasgow, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Edmonton State Bank - Overview

  • General
  • FDIC Certificate #: 9678
    Status: Active
    Federal Reserve ID: 845247
    Bank Holding Company (Regulatory Top Holder): Edmonton Bancshares, Inc. (RSSDID: 1098031, Location: Edmonton, KY)
    Date Established: March 17, 1899
    WWW: http://www.edmontonstatebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 11668
    FDIC's unique #: 6193
    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: Commercial Lending Specialization
    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: 909 West Main Street, Glasgow, KY 42141
    County: Barren
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Glasgow, KY (#23980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $433.8 mil
    Equity capital: $54.2 mil
    Deposits held in domestic offices: $359.4 mil
    Return on assets (ROA): 1.69% ($7.3 mil)
    Quarterly return on assets: 1.83% ($7.9 mil)
    Return on Equity (ROE): 13.71% ($7.4 mil)
    Quarterly return on equity: 14.67% ($7.9 mil)
    Net income: $7.1 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.69% ($7,332.0 mil)
    Quarterly Pretax return on assets: 1.83% ($7,939.4 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
  • 137Total employees (full-time equivalent)
  • $433,847Total assets
  • $44,358Cash and due from depository institutions
  • $30,352Interest-bearing balances
  • $70,560Securities
  • $8,894Federal funds sold & reverse repurchase agreements
  • $291,199Net loans & leases
  • $3,051Loan loss allowance
  • $0Trading account assets
  • $13,056Bank premises and fixed assets
  • $241Other real estate owned
  • $723Goodwill and other intangibles
  • $433,847Life insurance assets
  • $4,816All other assets
  • $379,672Total liabilities and capital
  • $359,359Total liabilities
  • $277,770Total deposits
  • $359,359Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 6540.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,219Trading liabilities
  • $0Other borrowed funds
  • $554Subordinated debt
  • $54,175All other liabilities
  • $54,175Total equity capital
  • $54,175Total bank equity capital
  • $0Perpetual preferred stock
  • $449Common stock
  • $28,051Surplus
  • $25,675Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $761Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,154Income earned, not collected on loans
  • $0Earning assets
  • $2,735Long-term assets (5+ years)
  • $401,005Average Assets, year-to-date
  • $82,163Average Assets, quarterly
  • $421,628Volatile liabilities
  • $426,555Insider loans
  • $295,507FHLB advances
  • $429,658Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $54,103Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,881Restructured Loans and leases
  • $2,548Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,767Total interest income
  • $4,630Total interest expense
  • $15,137Net interest income
  • $600Provision for loan and lease losses
  • $3,381Total noninterest income
  • $0Fiduciary activities
  • $1,760Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,621Additional noninterest income
  • $10,803Total noninterest expense
  • $6,021Salaries and employee benefits
  • $1,115Premises and equipment expense
  • $3,667Additional noninterest expense
  • $7,115Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $7,115Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,115Net income attributable to bank
  • $0Net charge-offs
  • $7,115Cash dividends
  • $612Sale, conversion, retirement of capital stock, net
  • $4,327Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 13.71%Return on equity (ROE)
  • 5.37%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 98.04%Credit loss provision to net charge-offs
  • 12.61%Efficiency ratio
  • 58,338Assets per employee
  • 3.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.82%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 141.64%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 81.03%Net loans and leases to core deposits
  • 83.71%Equity capital to assets
  • 12.49%Core capital (leverage) ratio
  • 12.59%Tier 1 risk-based capital ratio
  • 18.31%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $421,628Average earning assets
  • $51,894Average equity
  • $389,755Average loans

List of branches

  • 13 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06193Edmonton State Bank909 West Main Street, Glasgow, KY 42141March 17, 1899Full Service Brick and Mortar
    1220816Center BranchMain Street, Center, KY 42214October 14, 1975Full Service Brick and Mortar
    2220817Us Highway West BranchU.S. Highway 68-80 West, Edmonton, KY 42129December 14, 1981Full Service Brick and Mortar
    35584Summer Shade BranchMain Street, Summer Shade, KY 42166April 05, 1907Full Service Brick and Mortar
    4220818Edmonton Branch118 Main Street, Edmonton, KY 42129May 16, 1997Full Service Brick and Mortar
    6360062North Side Branch1300 North Race Street, Glasgow, KY 42141Febuary 16, 2001Full Service Brick and Mortar
    75180North Main St BranchMain Street, Tompkinsville, KY 42167January 01, 1906Full Service Brick and Mortar
    8217972North Main Branch703 North Main Street, Tompkinsville, KY 42167May 19, 1980Full Service Brick and Mortar
    9217973Gamaliel Branch301 East Main Street, Gamaliel, KY 42140December 12, 1988Full Service Brick and Mortar
    10419290Scottsville Branch608 East Main Street, Scottsville, KY 42164May 12, 2003Full Service Brick and Mortar
    11467894Bowling Green Branch1900 Scottsville Road, Bowling Green, KY 42104September 14, 2007Full Service Brick and Mortar
    12507027Patriot Court Courtyard Branch32 Lois Moore Dirve, Scottsville, KY 42164April 01, 2010Full Service Brick and Mortar
    13527655Max Wagner Drive Facility101 Max Wagner Drive, Glasgow, KY 42141December 05, 2011Limited Service Facility

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