Fredonia Valley Bank in Fredonia, Kentucky (KY)

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Fredonia Valley Bank
GeneralFDIC Certificate #: 9669
Status: Active
Federal Reserve ID: 502447
Bank Holding Company (Regulatory Top Holder): Fredonia Valley Bancorp, Inc. (RSSDID: 2509507, Location: Fredonia, KY)
Date Established: January 01, 1894
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 14340
FDIC's unique #: 6187
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: Consumer 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
LocationAddress: 602 Cassidy Ave, Fredonia, KY 42411
County: Caldwell
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 ChangesMerge BIF and SAIF Funds into DIF
Change in Location
Financial SummaryTotal assets: $74.0 mil
Equity capital: $8.7 mil
Deposits held in domestic offices: $56.0 mil
Return on assets (ROA): 1.18% ($0.9 mil)
Quarterly return on assets: 0.29% ($0.2 mil)
Return on Equity (ROE): 9.89% ($0.9 mil)
Quarterly return on equity: 2.43% ($0.2 mil)
Net income: $0.8 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.47% ($1,087.9 mil)
Quarterly Pretax return on assets: -0.13% (-$96.2 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)18
Total assets$74,009
Cash and due from depository institutions$3,824
Interest-bearing balances$1,085
Federal funds sold & reverse repurchase agreements$2,719
Net loans & leases$48,562
Loan loss allowance $985
Trading account assets$0
Bank premises and fixed assets$559
Other real estate owned$88
Goodwill and other intangibles$0
All other assets$3,872
Life insurance assets$74,009
Total liabilities and capital$65,301
Total liabilities$55,999
Total deposits$39,704
Interest-bearing deposits$55,999
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,065
Other borrowed funds $0
Subordinated debt $237
All other liabilities $8,708
Total equity capital$8,708
Total bank equity capital$8,708
Perpetual preferred stock$0
Common stock$300
Undivided profits $7,408
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 $1,841
Earning assets $0
Long-term assets (5+ years) $524
Average Assets, year-to-date $66,751
Average Assets, quarterly $44,467
Volatile liabilities $70,676
Insider loans $73,343
FHLB advances $43,523
Loans and leases held for sale $72,440
Unused loan commitments $1,983
Tier 1 (core) risk-based capital $1,005
Tier 2 risk-based capital $8,511
Total risk weighted assets $0
Total unused commitments $978
Restructured Loans and leases $3,434
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,590
Total interest expense $713
Net interest income $2,877
Provision for loan and lease losses $270
Total noninterest income $411
Fiduciary activities $0
Service charges on deposit accounts $258
Trading account gains & fees $0
Additional noninterest income $153
Total noninterest expense $2,016
Salaries and employee benefits $1,057
Premises and equipment expense $225
Additional noninterest expense $734
Pre-tax net operating income $1,002
Securities gains (losses) $34
Applicable income taxes $203
Income before extraordinary items $833
Extraordinary gains - net $0
Net income attributable to bank $833
Net charge-offs $0
Cash dividends $833
Sale, conversion, retirement of capital stock, net $130
Net operating income $346
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.62%
Cost of funding earning assets 1.12%
Net interest margin 4.51%
Noninterest income to earning assets 0.64%
Noninterest expense to earning assets 3.16%
Net operating income to assets 1.14%
Return on assets (ROA) 1.18%
Pretax return on assets 1.47%
Return on equity (ROE) 9.89%
Retained earnings to average equity (YTD only) 5.78%
Net charge-offs to loans 0.26%
Credit loss provision to net charge-offs 207.69%
Efficiency ratio9.78%
Assets per employee$61,314
Cash dividends to net income (YTD only)4.11%
Condition Ratios (%)
Loss allowance to loans 41.54%
Loss allowance to noncurrent loans 1.99%
Noncurrent assets plus other real estate owned to assets 53.50%
Noncurrent loans to loans 2.61%
Net loans and leases to deposits3.72%
Net loans and leases to core deposits 86.72%
Equity capital to assets 87.50%
Core capital (leverage) ratio 11.77%
Tier 1 risk-based capital ratio 11.75%
Total risk-based capital ratio 19.56%
Average assets$21
Average earning assets$70,676
Average equity $8,423
Average loans $63,832
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2 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06187Fredonia Valley Bank602 Cassidy Ave, Fredonia, KY 42411January 01, 1894Full Service Brick and Mortar
1360585Lyon County Branch226 Commerce Street, Eddyville, KY 42038January 01, 2001Full Service Brick and Mortar
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