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


Kentucky Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.kybank.com
    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
  • Location
  • Address: 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 Summary
  • Total 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
  • 194Total employees (full-time equivalent)
  • $659,728Total assets
  • $17,127Cash and due from depository institutions
  • $11,024Interest-bearing balances
  • $180,399Securities
  • $528Federal funds sold & reverse repurchase agreements
  • $406,650Net loans & leases
  • $5,842Loan loss allowance
  • $0Trading account assets
  • $16,702Bank premises and fixed assets
  • $8,296Other real estate owned
  • $14,717Goodwill and other intangibles
  • $659,728Life insurance assets
  • $15,309All other assets
  • $582,824Total liabilities and capital
  • $543,134Total liabilities
  • $486,864Total deposits
  • $543,134Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 3224.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $30,326Trading liabilities
  • $0Other borrowed funds
  • $6,140Subordinated debt
  • $76,904All other liabilities
  • $76,904Total equity capital
  • $76,904Total bank equity capital
  • $0Perpetual preferred stock
  • $3,093Common stock
  • $13,500Surplus
  • $60,311Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $625Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,075Income earned, not collected on loans
  • $0Earning assets
  • $4,052Long-term assets (5+ years)
  • $598,601Average Assets, year-to-date
  • $196,219Average Assets, quarterly
  • $651,447Volatile liabilities
  • $646,726Insider loans
  • $459,135FHLB advances
  • $635,120Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $59,476Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $84,253Restructured Loans and leases
  • $4,497Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,889Total interest income
  • $5,269Total interest expense
  • $24,620Net interest income
  • $2,450Provision for loan and lease losses
  • $8,600Total noninterest income
  • $637Fiduciary activities
  • $3,743Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,220Additional noninterest income
  • $24,945Total noninterest expense
  • $11,953Salaries and employee benefits
  • $2,958Premises and equipment expense
  • $10,034Additional noninterest expense
  • $5,825Pre-tax net operating income
  • $1,164Securities gains (losses)
  • $1,070Applicable income taxes
  • $5,919Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,919Net income attributable to bank
  • $0Net charge-offs
  • $5,919Cash dividends
  • $1,533Sale, conversion, retirement of capital stock, net
  • $3,800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 4.21%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 4.27%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 8.03%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 159.82%Credit loss provision to net charge-offs
  • 5.40%Efficiency ratio
  • 74,356Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.20%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 82.57%Noncurrent assets plus other real estate owned to assets
  • 2.33%Noncurrent loans to loans
  • 1.72%Net loans and leases to deposits
  • 74.87%Net loans and leases to core deposits
  • 81.24%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 12.95%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $651,447Average earning assets
  • $73,669Average equity
  • $584,402Average 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
  • $94,122Managed Assets
  • 1Number of Accounts
  • $87,297Personal trust and agency accounts
  • $52,402Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $4,452Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $30,443Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 157Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,825Other retirement accounts
  • $5,015Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $435Fiduciary accounts held in foreign offices

List of branches

  • 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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