Kentucky Bank in Paris, Kentucky (KY)

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Kentucky Bank routing number info

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Kentucky Bank
GeneralFDIC Certificate #: 734
Status: Active
Federal Reserve ID: 373115
Bank Holding Company (Regulatory Top Holder): Kentucky Bancshares, Inc. (RSSDID: 1070831, Location: Paris, KY)
Date Established: January 01, 1915
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 14 (Domestic: 14, Interstate: No)
OTS Docket #: 9690
FDIC's unique #: 464
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 26, 2007
Last Structure Change Process Date: December 21, 2007
Last Data Update: December 21, 2007
Data Source Date: April 05, 2012
LocationAddress: Fourth And Main Streets, Paris, KY 40361
County: Bourbon
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): Lexington, KY (#4280)
Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
Financial SummaryTotal assets: $659.7 mil
Equity capital: $76.9 mil
Deposits held in domestic offices: $543.1 mil
Return on assets (ROA): 0.91% ($6.0 mil)
Quarterly return on assets: 0.80% ($5.3 mil)
Return on Equity (ROE): 8.03% ($6.2 mil)
Quarterly return on equity: 6.79% ($5.2 mil)
Net income: $5.9 mil
Quarterly Net income: $1.3 mil
Pretax return on assets: 1.07% ($7,059.1 mil)
Quarterly Pretax return on assets: 0.90% ($5,937.6 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)194
Total assets$659,728
Cash and due from depository institutions$17,127
Interest-bearing balances$11,024
Federal funds sold & reverse repurchase agreements$528
Net loans & leases$406,650
Loan loss allowance $5,842
Trading account assets$0
Bank premises and fixed assets$16,702
Other real estate owned$8,296
Goodwill and other intangibles$14,717
All other assets$15,309
Life insurance assets$659,728
Total liabilities and capital$582,824
Total liabilities$543,134
Total deposits$486,864
Interest-bearing deposits$543,134
Deposits held in domestic offices$82
% insured (estimated)3224.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$30,326
Other borrowed funds $0
Subordinated debt $6,140
All other liabilities $76,904
Total equity capital$76,904
Total bank equity capital$76,904
Perpetual preferred stock$0
Common stock$3,093
Undivided profits $60,311
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $625
Income earned, not collected on loans $7,075
Earning assets $0
Long-term assets (5+ years) $4,052
Average Assets, year-to-date $598,601
Average Assets, quarterly $196,219
Volatile liabilities $651,447
Insider loans $646,726
FHLB advances $459,135
Loans and leases held for sale $635,120
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $59,476
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $84,253
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $29,889
Total interest expense $5,269
Net interest income $24,620
Provision for loan and lease losses $2,450
Total noninterest income $8,600
Fiduciary activities $637
Service charges on deposit accounts $3,743
Trading account gains & fees $0
Additional noninterest income $4,220
Total noninterest expense $24,945
Salaries and employee benefits $11,953
Premises and equipment expense $2,958
Additional noninterest expense $10,034
Pre-tax net operating income $5,825
Securities gains (losses) $1,164
Applicable income taxes $1,070
Income before extraordinary items $5,919
Extraordinary gains - net $0
Net income attributable to bank $5,919
Net charge-offs $0
Cash dividends $5,919
Sale, conversion, retirement of capital stock, net $1,533
Net operating income $3,800
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.11%
Cost of funding earning assets 0.90%
Net interest margin 4.21%
Noninterest income to earning assets 1.47%
Noninterest expense to earning assets 4.27%
Net operating income to assets 0.76%
Return on assets (ROA) 0.91%
Pretax return on assets 1.07%
Return on equity (ROE) 8.03%
Retained earnings to average equity (YTD only) 2.88%
Net charge-offs to loans 0.37%
Credit loss provision to net charge-offs 159.82%
Efficiency ratio5.40%
Assets per employee$74,356
Cash dividends to net income (YTD only)3.40%
Condition Ratios (%)
Loss allowance to loans 64.20%
Loss allowance to noncurrent loans 1.42%
Noncurrent assets plus other real estate owned to assets 82.57%
Noncurrent loans to loans 2.33%
Net loans and leases to deposits1.72%
Net loans and leases to core deposits 74.87%
Equity capital to assets 81.24%
Core capital (leverage) ratio 11.66%
Tier 1 risk-based capital ratio 9.36%
Total risk-based capital ratio 12.95%
Average assets$14
Average earning assets$651,447
Average equity $73,669
Average loans $584,402
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$94,122
Number of Accounts1
Personal trust and agency accounts$87,297
Employee benefit-defined contribution accounts$52,402
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$4,452
Investment management agency accounts$0
Other fiduciary accounts$30,443
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts157
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$6,825
Corporate trust and agency accounts$5,015
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$435
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14 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0464Kentucky BankFourth And Main Streets, Paris, KY 40361January 01, 1915Full Service Brick and Mortar
1184944Lexington Road BranchLexington Road, Paris, KY 40361November 04, 1965Full Service Brick and Mortar
3241Main Street Branch400 Main Street, Paris, KY 40361January 01, 1851Limited Service Facility
41770Winchester Downtown Branch24 West Lexington Avenue, Winchester, KY 40391January 01, 1865Full Service Brick and Mortar
5194014By-Pass BranchWinchester By-Pass And Colby Road, Winchester, KY 40391December 06, 1963Full Service Brick and Mortar
646661Cherry Blossom Branch260 Blossom Park Drive, Georgetown, KY 40324December 12, 1990Full Service Brick and Mortar
7289396Versailles Branch520 Marsailles Road, Versailles, KY 40383January 20, 1993Full Service Brick and Mortar
10184946Georgetown Branch103 West Showalter Drive, Georgetown, KY 40324August 10, 1998Full Service Brick and Mortar
11193953Wilmore Branch108 East Main Street, Wilmore, KY 40390Febuary 13, 1965Full Service Brick and Mortar
12364029Cynthiana Branch939 Us Highway 27 South, Cynthiana, KY 41031October 01, 2001Full Service Brick and Mortar
155963Flemingsburg Road Branch1500 Flemingsburg Road, Morehead, KY 40351December 06, 1926Full Service Brick and Mortar
16219868Sandy Hook BranchMain Street, Sandy Hook, KY 41171May 26, 1998Full Service Brick and Mortar
17479027Morehead Downtown Branch400 West First Street, Morehead, KY 40351March 03, 2008Full Service Brick and Mortar
18490043Nicholasville Branch920 North Main Street, Nicholasville, KY 40356April 20, 2009Full Service Brick and Mortar
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