Farmers Deposit Bank in Eminence, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers Deposit Bank - Overview

  • General
  • FDIC Certificate #: 9686
    Status: Active
    Federal Reserve ID: 792743
    Bank Holding Company (Regulatory Top Holder): Premier Financial Bancorp, Inc. (RSSDID: 2007647, Location: Huntington, WV)
    Date Established: January 01, 1867
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9812
    FDIC's unique #: 6199
    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: Commercial Lending Specialization
    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: 5230 S Main St, Eminence, KY 40019
    County: Henry
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $59.8 mil
    Equity capital: $10.0 mil
    Deposits held in domestic offices: $49.6 mil
    Return on assets (ROA): 0.46% ($0.3 mil)
    Quarterly return on assets: 1.05% ($0.6 mil)
    Return on Equity (ROE): 2.82% ($0.3 mil)
    Quarterly return on equity: 6.24% ($0.6 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.68% ($406.9 mil)
    Quarterly Pretax return on assets: 1.58% ($945.5 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)
  • $59,841Total assets
  • $1,057Cash and due from depository institutions
  • $78Interest-bearing balances
  • $7,947Securities
  • $3,433Federal funds sold & reverse repurchase agreements
  • $40,835Net loans & leases
  • $988Loan loss allowance
  • $0Trading account assets
  • $804Bank premises and fixed assets
  • $874Other real estate owned
  • $3,416Goodwill and other intangibles
  • $59,841Life insurance assets
  • $1,475All other assets
  • $49,857Total liabilities and capital
  • $49,591Total liabilities
  • $42,790Total deposits
  • $49,591Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $41Trading liabilities
  • $0Other borrowed funds
  • $225Subordinated debt
  • $9,984All other liabilities
  • $9,984Total equity capital
  • $9,984Total bank equity capital
  • $0Perpetual preferred stock
  • $469Common stock
  • $23,908Surplus
  • $-14,393Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,191Income earned, not collected on loans
  • $0Earning assets
  • $235Long-term assets (5+ years)
  • $52,293Average Assets, year-to-date
  • $8,993Average Assets, quarterly
  • $59,974Volatile liabilities
  • $59,177Insider loans
  • $41,451FHLB advances
  • $55,679Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,376Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,776Restructured Loans and leases
  • $1,109Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,847Total interest income
  • $535Total interest expense
  • $2,312Net interest income
  • $160Provision for loan and lease losses
  • $204Total noninterest income
  • $0Fiduciary activities
  • $216Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$12Additional noninterest income
  • $1,948Total noninterest expense
  • $947Salaries and employee benefits
  • -$16Premises and equipment expense
  • $1,017Additional noninterest expense
  • $408Pre-tax net operating income
  • $0Securities gains (losses)
  • $134Applicable income taxes
  • $274Income before extraordinary items
  • $0Extraordinary gains - net
  • $274Net income attributable to bank
  • $0Net charge-offs
  • $274Cash dividends
  • $750Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 2.82%Return on equity (ROE)
  • 2.82%Retained earnings to average equity (YTD only)
  • 1.77%Net charge-offs to loans
  • 21.33%Credit loss provision to net charge-offs
  • 0.76%Efficiency ratio
  • 77,424Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 30.96%Noncurrent assets plus other real estate owned to assets
  • 6.79%Noncurrent loans to loans
  • 7.63%Net loans and leases to deposits
  • 82.34%Net loans and leases to core deposits
  • 86.43%Equity capital to assets
  • 16.68%Core capital (leverage) ratio
  • 11.45%Tier 1 risk-based capital ratio
  • 15.38%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $59,974Average earning assets
  • $9,733Average equity
  • $52,504Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $369Managed Assets
  • 1Number of Accounts
  • $369Personal trust and agency accounts
  • $369Employee benefit-defined contribution accounts
  • $0Employee 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
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06199Farmers Deposit Bank5230 S Main St, Eminence, KY 40019January 01, 1867Full Service Brick and Mortar
    2220838Eminence Branch114 South Main Street, Eminence, KY 40019Febuary 16, 1988Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Farmers Deposit Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents