Farmers Deposit Bank of Middleburg, Inc. in Middleburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers Deposit Bank of Middleburg, Inc. - Overview

  • General
  • FDIC Certificate #: 10514
    Status: Active
    Federal Reserve ID: 449841
    Bank Holding Company (Regulatory Top Holder): John R Turner Holding Company (RSSDID: 2753869, Location: Jackson, KY)
    Date Established: January 01, 1904
    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 #: 14380
    FDIC's unique #: 6732
    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 22, 2010
    Last Structure Change Process Date: March 26, 2010
    Last Data Update: March 26, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2959 Shorttown Road, Middleburg, KY 42541
    County: Casey
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $47.0 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $37.8 mil
    Return on assets (ROA): -1.21% (-$0.6 mil)
    Quarterly return on assets: -1.69% (-$0.8 mil)
    Return on Equity (ROE): -9.80% (-$0.5 mil)
    Quarterly return on equity: -14.16% (-$0.7 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -1.21% (-$568.9 mil)
    Quarterly Pretax return on assets: -1.69% (-$794.6 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
  • 18Total employees (full-time equivalent)
  • $47,015Total assets
  • $2,706Cash and due from depository institutions
  • $525Interest-bearing balances
  • $3,358Securities
  • $3,070Federal funds sold & reverse repurchase agreements
  • $32,890Net loans & leases
  • $343Loan loss allowance
  • $0Trading account assets
  • $1,638Bank premises and fixed assets
  • $349Other real estate owned
  • $1,446Goodwill and other intangibles
  • $47,015Life insurance assets
  • $1,558All other assets
  • $41,523Total liabilities and capital
  • $37,829Total liabilities
  • $33,186Total deposits
  • $37,829Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $194Subordinated debt
  • $5,492All other liabilities
  • $5,492Total equity capital
  • $5,492Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,710Surplus
  • $-818Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $254Income earned, not collected on loans
  • $0Earning assets
  • $228Long-term assets (5+ years)
  • $39,843Average Assets, year-to-date
  • $16,375Average Assets, quarterly
  • $47,495Volatile liabilities
  • $46,841Insider loans
  • $34,666FHLB advances
  • $45,969Loans and leases held for sale
  • $592Unused loan commitments
  • $592Tier 1 (core) risk-based capital
  • $4,018Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,125Restructured Loans and leases
  • $768Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,371Total interest income
  • $612Total interest expense
  • $1,759Net interest income
  • $816Provision for loan and lease losses
  • $426Total noninterest income
  • $0Fiduciary activities
  • $281Service charges on deposit accounts
  • $0Trading account gains & fees
  • $145Additional noninterest income
  • $1,943Total noninterest expense
  • $934Salaries and employee benefits
  • $258Premises and equipment expense
  • $751Additional noninterest expense
  • -$574Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$574Income before extraordinary items
  • $0Extraordinary gains - net
  • -$574Net income attributable to bank
  • $0Net charge-offs
  • -$574Cash dividends
  • $854Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.82%Yield on earning assets
  • 1.50%Cost of funding earning assets
  • 4.32%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 4.77%Noninterest expense to earning assets
  • -1.21%Net operating income to assets
  • -1.21%Return on assets (ROA)
  • -1.21%Pretax return on assets
  • -9.80%Return on equity (ROE)
  • -9.80%Retained earnings to average equity (YTD only)
  • 2.63%Net charge-offs to loans
  • 95.55%Credit loss provision to net charge-offs
  • 0.28%Efficiency ratio
  • 84,302Assets per employee
  • 2.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 135.04%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 86.94%Net loans and leases to core deposits
  • 96.52%Equity capital to assets
  • 11.68%Core capital (leverage) ratio
  • 8.74%Tier 1 risk-based capital ratio
  • 11.59%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $47,495Average earning assets
  • $5,855Average equity
  • $40,716Average loans

Total Fiduciary and Related Assets (December 31, 2002)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4Managed Assets
  • 1Number of Accounts
  • $4Personal trust and agency accounts
  • $4Employee 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
  • 1Number 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
    06732Farmers Deposit Bank Of Middleburg, Inc.2959 Shorttown Road, Middleburg, KY 42541January 01, 1904Full Service Brick and Mortar
    2222522Liberty Branch775 North Wallace Wilkinson Boulevard, Liberty, KY 42539December 09, 1996Full Service Brick and Mortar

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