Elkton Bank & Trust Company in Elkton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Elkton Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 12162
    Status: Active
    Federal Reserve ID: 998648
    Bank Holding Company (Regulatory Top Holder): Elkton Bancorp, Inc. (RSSDID: 1099841, Location: Elkton, KY)
    Date Established: January 01, 1866
    WWW: http://www.elktonbankandtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9733
    FDIC's unique #: 7723
    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: All Other Specialization < 1 Billion
    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: 30 Public Square, Elkton, KY 42220
    County: Todd
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.4 mil
    Equity capital: $16.9 mil
    Deposits held in domestic offices: $90.2 mil
    Return on assets (ROA): 1.34% ($1.7 mil)
    Quarterly return on assets: 1.30% ($1.6 mil)
    Return on Equity (ROE): 9.96% ($1.7 mil)
    Quarterly return on equity: 9.49% ($1.6 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.59% ($1,977.5 mil)
    Quarterly Pretax return on assets: 1.57% ($1,952.7 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
  • 30Total employees (full-time equivalent)
  • $124,374Total assets
  • $5,933Cash and due from depository institutions
  • $220Interest-bearing balances
  • $52,513Securities
  • $5,646Federal funds sold & reverse repurchase agreements
  • $54,697Net loans & leases
  • $648Loan loss allowance
  • $0Trading account assets
  • $2,872Bank premises and fixed assets
  • $63Other real estate owned
  • $0Goodwill and other intangibles
  • $124,374Life insurance assets
  • $2,650All other assets
  • $107,484Total liabilities and capital
  • $90,186Total liabilities
  • $71,232Total deposits
  • $90,186Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 1936.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,321Trading liabilities
  • $0Other borrowed funds
  • $2,041Subordinated debt
  • $16,890All other liabilities
  • $16,890Total equity capital
  • $16,890Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $3,200Surplus
  • $13,640Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $169Income earned, not collected on loans
  • $0Earning assets
  • $1,130Long-term assets (5+ years)
  • $113,076Average Assets, year-to-date
  • $25,427Average Assets, quarterly
  • $123,142Volatile liabilities
  • $125,025Insider loans
  • $106,339FHLB advances
  • $123,656Loans and leases held for sale
  • $316Unused loan commitments
  • $316Tier 1 (core) risk-based capital
  • $15,691Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,325Restructured Loans and leases
  • $291Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,590Total interest income
  • $1,182Total interest expense
  • $4,408Net interest income
  • $169Provision for loan and lease losses
  • $737Total noninterest income
  • $4Fiduciary activities
  • $494Service charges on deposit accounts
  • $0Trading account gains & fees
  • $239Additional noninterest income
  • $3,066Total noninterest expense
  • $1,798Salaries and employee benefits
  • $245Premises and equipment expense
  • $1,023Additional noninterest expense
  • $1,910Pre-tax net operating income
  • $51Securities gains (losses)
  • $311Applicable income taxes
  • $1,650Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,650Net income attributable to bank
  • $0Net charge-offs
  • $1,650Cash dividends
  • $107Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.85%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.66%Noninterest expense to earning assets
  • 1.31%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 9.96%Return on equity (ROE)
  • 3.32%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 157.94%Credit loss provision to net charge-offs
  • 19.43%Efficiency ratio
  • 59,592Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.67%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 383.43%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 60.65%Net loans and leases to core deposits
  • 64.92%Equity capital to assets
  • 13.58%Core capital (leverage) ratio
  • 12.69%Tier 1 risk-based capital ratio
  • 14.76%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $123,142Average earning assets
  • $16,562Average equity
  • $115,308Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,506Managed Assets
  • 1Number of Accounts
  • $3,606Personal trust and agency accounts
  • $757Employee benefit-defined contribution accounts
  • $2,849Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 30Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,900Other retirement accounts
  • $1Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07723Elkton Bank & Trust Company30 Public Square, Elkton, KY 42220January 01, 1866Full Service Brick and Mortar
    1226383Guthrie BranchPark Street, Guthrie, KY 42234May 03, 1934Full Service Brick and Mortar
    2226384Drive-In FacilitySouth Main And Washington Streets, Elkton, KY 42220November 08, 1979Limited Service Facility
    3226385Guthrie BranchHighways 79 And 181, Guthrie, KY 42234June 14, 1990Full Service Brick and Mortar

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