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

Kentucky Home Bank - Overview

  • General
  • FDIC Certificate #: 34432
    Status: Active
    Federal Reserve ID: 2528656
    Bank Holding Company (Regulatory Top Holder): Kentucky Home Bancshares, Inc. (RSSDID: 2528665, Location: Bardstown, KY)
    Date Established: September 15, 1997
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15905
    FDIC's unique #: 57195
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 15, 1997
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 940 Bloomfield Road, Bardstown, KY 40004
    County: Nelson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $102.7 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $80.2 mil
    Return on assets (ROA): 1.24% ($1.3 mil)
    Quarterly return on assets: 1.45% ($1.5 mil)
    Return on Equity (ROE): 9.75% ($1.4 mil)
    Quarterly return on equity: 11.08% ($1.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.81% ($1,858.0 mil)
    Quarterly Pretax return on assets: 2.09% ($2,145.5 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
  • 28Total employees (full-time equivalent)
  • $102,654Total assets
  • $4,027Cash and due from depository institutions
  • $1,040Interest-bearing balances
  • $6,583Securities
  • $7,249Federal funds sold & reverse repurchase agreements
  • $80,269Net loans & leases
  • $969Loan loss allowance
  • $0Trading account assets
  • $927Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $102,654Life insurance assets
  • $3,599All other assets
  • $89,116Total liabilities and capital
  • $80,210Total liabilities
  • $64,404Total deposits
  • $80,210Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 3258.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,889Trading liabilities
  • $0Other borrowed funds
  • $759Subordinated debt
  • $13,538All other liabilities
  • $13,538Total equity capital
  • $13,538Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $3,000Surplus
  • $8,538Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,930Income earned, not collected on loans
  • $78Earning assets
  • $414Long-term assets (5+ years)
  • $95,141Average Assets, year-to-date
  • $45,529Average Assets, quarterly
  • $101,029Volatile liabilities
  • $102,312Insider loans
  • $74,792FHLB advances
  • $102,077Loans and leases held for sale
  • $2,004Unused loan commitments
  • $2,004Tier 1 (core) risk-based capital
  • $13,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,582Restructured Loans and leases
  • $4,646Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,051Total interest income
  • $1,105Total interest expense
  • $3,946Net interest income
  • $75Provision for loan and lease losses
  • $621Total noninterest income
  • $0Fiduciary activities
  • $404Service charges on deposit accounts
  • $0Trading account gains & fees
  • $217Additional noninterest income
  • $2,675Total noninterest expense
  • $1,447Salaries and employee benefits
  • $206Premises and equipment expense
  • $1,022Additional noninterest expense
  • $1,817Pre-tax net operating income
  • $13Securities gains (losses)
  • $576Applicable income taxes
  • $1,254Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,254Net income attributable to bank
  • $0Net charge-offs
  • $1,254Cash dividends
  • $44Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.81%Pretax return on assets
  • 9.75%Return on equity (ROE)
  • 9.75%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 170.45%Credit loss provision to net charge-offs
  • 43.00%Efficiency ratio
  • 58,572Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 50.21%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 100.07%Net loans and leases to core deposits
  • 106.79%Equity capital to assets
  • 13.19%Core capital (leverage) ratio
  • 13.26%Tier 1 risk-based capital ratio
  • 18.09%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $101,029Average earning assets
  • $12,866Average equity
  • $94,317Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057195Kentucky Home Bank940 Bloomfield Road, Bardstown, KY 40004September 15, 1997Full Service Brick and Mortar
    1358982Chambers Boulevard Branch900 Chambers Boulevard, Bardstown, KY 40004August 09, 2000Full Service Brick and Mortar

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