Fredonia Valley Bank in Fredonia, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Fredonia Valley Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.fredoniavalleybank.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total 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
  • 18Total employees (full-time equivalent)
  • $74,009Total assets
  • $3,824Cash and due from depository institutions
  • $1,085Interest-bearing balances
  • $14,385Securities
  • $2,719Federal funds sold & reverse repurchase agreements
  • $48,562Net loans & leases
  • $985Loan loss allowance
  • $0Trading account assets
  • $559Bank premises and fixed assets
  • $88Other real estate owned
  • $0Goodwill and other intangibles
  • $74,009Life insurance assets
  • $3,872All other assets
  • $65,301Total liabilities and capital
  • $55,999Total liabilities
  • $39,704Total deposits
  • $55,999Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,065Trading liabilities
  • $0Other borrowed funds
  • $237Subordinated debt
  • $8,708All other liabilities
  • $8,708Total equity capital
  • $8,708Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $1,000Surplus
  • $7,408Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,841Income earned, not collected on loans
  • $0Earning assets
  • $524Long-term assets (5+ years)
  • $66,751Average Assets, year-to-date
  • $44,467Average Assets, quarterly
  • $70,676Volatile liabilities
  • $73,343Insider loans
  • $43,523FHLB advances
  • $72,440Loans and leases held for sale
  • $1,983Unused loan commitments
  • $1,005Tier 1 (core) risk-based capital
  • $8,511Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $978Total unused commitments
  • $3,434Restructured Loans and leases
  • $50Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,590Total interest income
  • $713Total interest expense
  • $2,877Net interest income
  • $270Provision for loan and lease losses
  • $411Total noninterest income
  • $0Fiduciary activities
  • $258Service charges on deposit accounts
  • $0Trading account gains & fees
  • $153Additional noninterest income
  • $2,016Total noninterest expense
  • $1,057Salaries and employee benefits
  • $225Premises and equipment expense
  • $734Additional noninterest expense
  • $1,002Pre-tax net operating income
  • $34Securities gains (losses)
  • $203Applicable income taxes
  • $833Income before extraordinary items
  • $0Extraordinary gains - net
  • $833Net income attributable to bank
  • $0Net charge-offs
  • $833Cash dividends
  • $130Sale, conversion, retirement of capital stock, net
  • $346Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.62%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 4.51%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 1.14%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 9.89%Return on equity (ROE)
  • 5.78%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 207.69%Credit loss provision to net charge-offs
  • 9.78%Efficiency ratio
  • 61,314Assets per employee
  • 4.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.54%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 53.50%Noncurrent assets plus other real estate owned to assets
  • 2.61%Noncurrent loans to loans
  • 3.72%Net loans and leases to deposits
  • 86.72%Net loans and leases to core deposits
  • 87.50%Equity capital to assets
  • 11.77%Core capital (leverage) ratio
  • 11.75%Tier 1 risk-based capital ratio
  • 19.56%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $70,676Average earning assets
  • $8,423Average equity
  • $63,832Average loans

List of branches

  • 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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