Hebron Deposit Bank in Hebron, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 19, 2002

  • Hebron Deposit Bank in Hebron, Kentucky (KY)
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Hebron Deposit Bank - Overview

  • General
  • FDIC Certificate #: 9305
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Financial Bank, National Association (#6600)
    Federal Reserve ID: 815213
    Date Established: March 18, 1920
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 10133
    FDIC's unique #: 5960
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 19, 2002
    Last Structure Change Process Date: August 07, 2002
    Last Data Update: August 07, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 2652 North Bend Road, Hebron, KY 41048
    County: Boone
    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
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $101.6 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, 2001)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $105,915Total assets
  • $2,866Cash and due from depository institutions
  • $218Interest-bearing balances
  • $15,960Securities
  • $2,281Federal funds sold & reverse repurchase agreements
  • $81,507Net loans & leases
  • $1,259Loan loss allowance
  • $0Trading account assets
  • $1,120Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,181All other assets
  • $105,915Total liabilities and capital
  • $96,898Total liabilities
  • $94,412Total deposits
  • $82,835Interest-bearing deposits
  • $94,412Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $984Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $853Other borrowed funds
  • $0Subordinated debt
  • $649All other liabilities
  • $9,017Total equity capital
  • $9,017Total bank equity capital
  • $9,017Perpetual preferred stock
  • $0Common stock
  • $120Surplus
  • $3,213Undivided profits
  • Memoranda
  • $5,684Noncurrent loans and leases
  • $9,783Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $51Earning assets
  • $0Long-term assets (5+ years)
  • $581Average Assets, year-to-date
  • $99,966Average Assets, quarterly
  • $15,208Volatile liabilities
  • $107,882Insider loans
  • $106,026FHLB advances
  • $13,275Loans and leases held for sale
  • $3,272Unused loan commitments
  • $853Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,783Total unused commitments
  • $22Restructured Loans and leases
  • $1,009Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $8,191Total interest income
  • $3,755Total interest expense
  • $4,436Net interest income
  • $63Provision for loan and lease losses
  • $661Total noninterest income
  • $0Fiduciary activities
  • $349Service charges on deposit accounts
  • $0Trading account gains & fees
  • $312Additional noninterest income
  • $2,460Total noninterest expense
  • $1,383Salaries and employee benefits
  • $210Premises and equipment expense
  • $867Additional noninterest expense
  • $2,574Pre-tax net operating income
  • $0Securities gains (losses)
  • $787Applicable income taxes
  • $1,787Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,787Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $52Sale, conversion, retirement of capital stock, net
  • $5,469Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.05%Yield on earning assets
  • 3.69%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 2.39%Pretax return on assets
  • 15.92%Return on equity (ROE)
  • -32.80%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 121.15%Credit loss provision to net charge-offs
  • 50.71%Efficiency ratio
  • 48,264Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 306.04%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 2468.63%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.06%Net loans and leases to deposits
  • 86.33%Net loans and leases to core deposits
  • 99.25%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 11.08%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $107,882Average earning assets
  • $11,225Average equity
  • $101,778Average loans

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