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
    WWW: http://www.farmersdepositbank.com
    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

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