Elkton Bank & Trust Company in Elkton, Kentucky (KY)



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Elkton Bank & Trust Company routing number info

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Elkton Bank & Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)30
Total assets$124,374
Cash and due from depository institutions$5,933
Interest-bearing balances$220
Securities$52,513
Federal funds sold & reverse repurchase agreements$5,646
Net loans & leases$54,697
Loan loss allowance $648
Trading account assets$0
Bank premises and fixed assets$2,872
Other real estate owned$63
Goodwill and other intangibles$0
All other assets$2,650
Life insurance assets$124,374
Total liabilities and capital$107,484
Total liabilities$90,186
Total deposits$71,232
Interest-bearing deposits$90,186
Deposits held in domestic offices$95
% insured (estimated)1936.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,321
Other borrowed funds $0
Subordinated debt $2,041
All other liabilities $16,890
Total equity capital$16,890
Total bank equity capital$16,890
Perpetual preferred stock$0
Common stock$50
Surplus$3,200
Undivided profits $13,640
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $169
Earning assets $0
Long-term assets (5+ years) $1,130
Average Assets, year-to-date $113,076
Average Assets, quarterly $25,427
Volatile liabilities $123,142
Insider loans $125,025
FHLB advances $106,339
Loans and leases held for sale $123,656
Unused loan commitments $316
Tier 1 (core) risk-based capital $316
Tier 2 risk-based capital $15,691
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,325
Derivatives$291
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,590
Total interest expense $1,182
Net interest income $4,408
Provision for loan and lease losses $169
Total noninterest income $737
Fiduciary activities $4
Service charges on deposit accounts $494
Trading account gains & fees $0
Additional noninterest income $239
Total noninterest expense $3,066
Salaries and employee benefits $1,798
Premises and equipment expense $245
Additional noninterest expense $1,023
Pre-tax net operating income $1,910
Securities gains (losses) $51
Applicable income taxes $311
Income before extraordinary items $1,650
Extraordinary gains - net $0
Net income attributable to bank $1,650
Net charge-offs $0
Cash dividends $1,650
Sale, conversion, retirement of capital stock, net $107
Net operating income $1,100
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.85%
Cost of funding earning assets 1.03%
Net interest margin 3.82%
Noninterest income to earning assets 0.64%
Noninterest expense to earning assets 2.66%
Net operating income to assets 1.31%
Return on assets (ROA) 1.34%
Pretax return on assets 1.59%
Return on equity (ROE) 9.96%
Retained earnings to average equity (YTD only) 3.32%
Net charge-offs to loans 0.20%
Credit loss provision to net charge-offs 157.94%
Efficiency ratio19.43%
Assets per employee$59,592
Cash dividends to net income (YTD only)4.15%
Condition Ratios (%)
Loss allowance to loans 66.67%
Loss allowance to noncurrent loans 1.17%
Noncurrent assets plus other real estate owned to assets 383.43%
Noncurrent loans to loans 0.19%
Net loans and leases to deposits0.31%
Net loans and leases to core deposits 60.65%
Equity capital to assets 64.92%
Core capital (leverage) ratio 13.58%
Tier 1 risk-based capital ratio 12.69%
Total risk-based capital ratio 14.76%
Memoranda
Average assets$15
Average earning assets$123,142
Average equity $16,562
Average loans $115,308
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$8,506
Number of Accounts1
Personal trust and agency accounts$3,606
Employee benefit-defined contribution accounts$757
Employee benefit-defined benefit accounts$2,849
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts30
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$4,900
Corporate trust and agency accounts$1
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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