Edmonton State Bank in Glasgow, Kentucky (KY)



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Edmonton State Bank routing number info

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Edmonton State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)137
Total assets$433,847
Cash and due from depository institutions$44,358
Interest-bearing balances$30,352
Securities$70,560
Federal funds sold & reverse repurchase agreements$8,894
Net loans & leases$291,199
Loan loss allowance $3,051
Trading account assets$0
Bank premises and fixed assets$13,056
Other real estate owned$241
Goodwill and other intangibles$723
All other assets$4,816
Life insurance assets$433,847
Total liabilities and capital$379,672
Total liabilities$359,359
Total deposits$277,770
Interest-bearing deposits$359,359
Deposits held in domestic offices$96
% insured (estimated)6540.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,219
Other borrowed funds $0
Subordinated debt $554
All other liabilities $54,175
Total equity capital$54,175
Total bank equity capital$54,175
Perpetual preferred stock$0
Common stock$449
Surplus$28,051
Undivided profits $25,675
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $761
Income earned, not collected on loans $2,154
Earning assets $0
Long-term assets (5+ years) $2,735
Average Assets, year-to-date $401,005
Average Assets, quarterly $82,163
Volatile liabilities $421,628
Insider loans $426,555
FHLB advances $295,507
Loans and leases held for sale $429,658
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $54,103
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $23,881
Derivatives$2,548
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,767
Total interest expense $4,630
Net interest income $15,137
Provision for loan and lease losses $600
Total noninterest income $3,381
Fiduciary activities $0
Service charges on deposit accounts $1,760
Trading account gains & fees $0
Additional noninterest income $1,621
Total noninterest expense $10,803
Salaries and employee benefits $6,021
Premises and equipment expense $1,115
Additional noninterest expense $3,667
Pre-tax net operating income $7,115
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $7,115
Extraordinary gains - net $0
Net income attributable to bank $7,115
Net charge-offs $0
Cash dividends $7,115
Sale, conversion, retirement of capital stock, net $612
Net operating income $4,327
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.07%
Cost of funding earning assets 1.19%
Net interest margin 3.88%
Noninterest income to earning assets 0.87%
Noninterest expense to earning assets 2.77%
Net operating income to assets 1.69%
Return on assets (ROA) 1.69%
Pretax return on assets 1.69%
Return on equity (ROE) 13.71%
Retained earnings to average equity (YTD only) 5.37%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 98.04%
Efficiency ratio12.61%
Assets per employee$58,338
Cash dividends to net income (YTD only)3.17%
Condition Ratios (%)
Loss allowance to loans 60.82%
Loss allowance to noncurrent loans 1.04%
Noncurrent assets plus other real estate owned to assets 141.64%
Noncurrent loans to loans 0.55%
Net loans and leases to deposits0.73%
Net loans and leases to core deposits 81.03%
Equity capital to assets 83.71%
Core capital (leverage) ratio 12.49%
Tier 1 risk-based capital ratio 12.59%
Total risk-based capital ratio 18.31%
Memoranda
Average assets$19
Average earning assets$421,628
Average equity $51,894
Average loans $389,755
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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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