Hancock Bank & Trust Company in Hawesville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Hancock Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 8128
    Status: Active
    Federal Reserve ID: 545846
    Bank Holding Company (Regulatory Top Holder): Hancock Bancorp, Inc. (RSSDID: 1144237, Location: Hawesville, KY)
    Date Established: July 01, 1888
    WWW: http://www.hancockbankonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 15516
    FDIC's unique #: 5176
    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: June 02, 2010
    Last Structure Change Process Date: June 03, 2010
    Last Data Update: June 03, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 220 Main Street, Hawesville, KY 42348
    County: Hancock
    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
    Core Based Statistical Area (CBSA): Owensboro, KY (#36980)
    CBSA Metro Statistical Area: Owensboro, KY (#36980)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $350.7 mil
    Equity capital: $31.7 mil
    Deposits held in domestic offices: $305.5 mil
    Return on assets (ROA): 0.39% ($1.4 mil)
    Quarterly return on assets: 0.37% ($1.3 mil)
    Return on Equity (ROE): 4.59% ($1.5 mil)
    Quarterly return on equity: 4.10% ($1.3 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.39% ($1,367.6 mil)
    Quarterly Pretax return on assets: 0.37% ($1,297.5 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
  • 89Total employees (full-time equivalent)
  • $350,669Total assets
  • $7,588Cash and due from depository institutions
  • $1,082Interest-bearing balances
  • $48,370Securities
  • $7,668Federal funds sold & reverse repurchase agreements
  • $268,276Net loans & leases
  • $3,901Loan loss allowance
  • $0Trading account assets
  • $12,656Bank premises and fixed assets
  • $327Other real estate owned
  • $1,742Goodwill and other intangibles
  • $350,669Life insurance assets
  • $4,042All other assets
  • $318,960Total liabilities and capital
  • $305,505Total liabilities
  • $278,233Total deposits
  • $305,505Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 5000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,926Trading liabilities
  • $0Other borrowed funds
  • $529Subordinated debt
  • $31,709All other liabilities
  • $31,709Total equity capital
  • $31,709Total bank equity capital
  • $0Perpetual preferred stock
  • $420Common stock
  • $15,422Surplus
  • $15,867Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $273Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,833Income earned, not collected on loans
  • $0Earning assets
  • $1,411Long-term assets (5+ years)
  • $325,396Average Assets, year-to-date
  • $67,435Average Assets, quarterly
  • $346,519Volatile liabilities
  • $351,353Insider loans
  • $242,364FHLB advances
  • $350,056Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,590Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,885Restructured Loans and leases
  • $309Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,670Total interest income
  • $6,855Total interest expense
  • $10,815Net interest income
  • $1,015Provision for loan and lease losses
  • $1,170Total noninterest income
  • $18Fiduciary activities
  • $346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $806Additional noninterest income
  • $9,607Total noninterest expense
  • $4,814Salaries and employee benefits
  • $822Premises and equipment expense
  • $3,971Additional noninterest expense
  • $1,363Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,363Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,363Net income attributable to bank
  • $0Net charge-offs
  • $1,363Cash dividends
  • $914Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.48%Yield on earning assets
  • 2.13%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.39%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 4.59%Return on equity (ROE)
  • 2.57%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 111.05%Credit loss provision to net charge-offs
  • 2.60%Efficiency ratio
  • 79,758Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.02%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 212.82%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 87.81%Net loans and leases to core deposits
  • 92.55%Equity capital to assets
  • 9.04%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 12.21%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $346,519Average earning assets
  • $29,664Average equity
  • $322,315Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $11,573Managed Assets
  • 1Number of Accounts
  • $11,573Personal trust and agency accounts
  • $11,573Employee 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
  • 20Number 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

  • 6 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05176Hancock Bank & Trust Company220 Main Street, Hawesville, KY 42348July 01, 1888Full Service Brick and Mortar
    1217968Lewisport BranchU.S. Highway 60 East, Lewisport, KY 42351October 28, 1966Full Service Brick and Mortar
    37256Breckinridge Bank Branch102 West Main Street, Cloverport, KY 40111January 01, 1916Full Service Brick and Mortar
    642915Madisonville North Branch2420 North Main Street, Madisonville, KY 42431January 01, 1923Full Service Brick and Mortar
    7463723Madisonville South Branch240 S. Main Street, Madisonville, KY 42431March 05, 2004Full Service Brick and Mortar
    8480739Bowling Green Branch2501 Crossings Blvd, Bowling Green, KY 42104July 01, 2007Full Service Brick and Mortar

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