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


Inez Deposit Bank - Overview

  • General
  • FDIC Certificate #: 9307
    Status: Active
    Federal Reserve ID: 1001817
    Bank Holding Company (Regulatory Top Holder): Community Holding Company (RSSDID: 1071678, Location: Inez, KY)
    Date Established: May 01, 1904
    WWW: http://www.inezdepositbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 5962
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 19, 2011
    Last Structure Change Process Date: August 24, 2011
    Last Data Update: August 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 41 Main Street, Inez, KY 41224
    County: Martin
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $166.2 mil
    Equity capital: $18.8 mil
    Deposits held in domestic offices: $146.1 mil
    Return on assets (ROA): 0.25% ($0.4 mil)
    Quarterly return on assets: 0.32% ($0.5 mil)
    Return on Equity (ROE): 2.27% ($0.4 mil)
    Quarterly return on equity: 2.86% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.28% ($465.3 mil)
    Quarterly Pretax return on assets: 0.40% ($664.7 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
  • 52Total employees (full-time equivalent)
  • $166,168Total assets
  • $25,799Cash and due from depository institutions
  • $8,328Interest-bearing balances
  • $69,557Securities
  • $3,929Federal funds sold & reverse repurchase agreements
  • $62,178Net loans & leases
  • $907Loan loss allowance
  • $0Trading account assets
  • $2,561Bank premises and fixed assets
  • $532Other real estate owned
  • $66Goodwill and other intangibles
  • $166,168Life insurance assets
  • $1,546All other assets
  • $147,376Total liabilities and capital
  • $146,084Total liabilities
  • $116,741Total deposits
  • $146,084Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 265.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $250Trading liabilities
  • $0Other borrowed funds
  • $777Subordinated debt
  • $18,792All other liabilities
  • $18,792Total equity capital
  • $18,792Total bank equity capital
  • $0Perpetual preferred stock
  • $775Common stock
  • $4,225Surplus
  • $13,792Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,517Income earned, not collected on loans
  • $0Earning assets
  • $720Long-term assets (5+ years)
  • $143,992Average Assets, year-to-date
  • $94,948Average Assets, quarterly
  • $166,970Volatile liabilities
  • $166,961Insider loans
  • $73,409FHLB advances
  • $165,828Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,013Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,997Restructured Loans and leases
  • $1,631Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,508Total interest income
  • $1,782Total interest expense
  • $3,726Net interest income
  • $200Provision for loan and lease losses
  • $840Total noninterest income
  • $0Fiduciary activities
  • $514Service charges on deposit accounts
  • $0Trading account gains & fees
  • $326Additional noninterest income
  • $3,912Total noninterest expense
  • $1,961Salaries and employee benefits
  • $442Premises and equipment expense
  • $1,509Additional noninterest expense
  • $454Pre-tax net operating income
  • $9Securities gains (losses)
  • $48Applicable income taxes
  • $415Income before extraordinary items
  • $0Extraordinary gains - net
  • $415Net income attributable to bank
  • $0Net charge-offs
  • $415Cash dividends
  • $288Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.94%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 2.66%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 2.27%Return on equity (ROE)
  • 1.17%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 69.44%Credit loss provision to net charge-offs
  • 2.27%Efficiency ratio
  • 85,677Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.19%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 36.03%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 3.99%Net loans and leases to deposits
  • 42.56%Net loans and leases to core deposits
  • 45.20%Equity capital to assets
  • 11.31%Core capital (leverage) ratio
  • 10.26%Tier 1 risk-based capital ratio
  • 23.18%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $166,970Average earning assets
  • $18,319Average equity
  • $139,828Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05962Inez Deposit Bank41 Main Street, Inez, KY 41224May 01, 1904Full Service Brick and Mortar
    1219865Warfield BranchState Highway 40, Warfield, KY 41267May 22, 1967Full Service Brick and Mortar
    31748Inez Deposit Bank, Fsb Branch202 East Main Street, Louisa, KY 41230July 01, 1891Full Service Brick and Mortar
    4495111Louisa Branch94 Commerce Drive, Louisa, KY 41230August 04, 2008Full Service Brick and Mortar

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