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


Kentucky Neighborhood Bank - Overview

  • General
  • FDIC Certificate #: 34572
    Status: Active
    Federal Reserve ID: 2614018
    Bank Holding Company (Regulatory Top Holder): Kentucky National Bancorp, Inc (RSSDID: 2784890, Location: Elizabethtown, KY)
    Date Established: October 15, 1997
    WWW: http://www.bankknb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15638
    FDIC's unique #: 60629
    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: October 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: 1000 North Dixie Avenue, Elizabethtown, KY 42702
    County: Hardin
    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): Elizabethtown, KY (#21060)
    CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $126.7 mil
    Equity capital: $14.0 mil
    Deposits held in domestic offices: $105.0 mil
    Return on assets (ROA): 0.91% ($1.2 mil)
    Quarterly return on assets: 0.95% ($1.2 mil)
    Return on Equity (ROE): 8.15% ($1.1 mil)
    Quarterly return on equity: 8.54% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.30% ($1,646.5 mil)
    Quarterly Pretax return on assets: 1.17% ($1,481.9 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
  • 45Total employees (full-time equivalent)
  • $126,656Total assets
  • $3,689Cash and due from depository institutions
  • $1,946Interest-bearing balances
  • $11,312Securities
  • $5,936Federal funds sold & reverse repurchase agreements
  • $97,496Net loans & leases
  • $1,117Loan loss allowance
  • $0Trading account assets
  • $4,685Bank premises and fixed assets
  • $2,019Other real estate owned
  • $0Goodwill and other intangibles
  • $126,656Life insurance assets
  • $1,519All other assets
  • $112,695Total liabilities and capital
  • $105,045Total liabilities
  • $91,737Total deposits
  • $105,045Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,822Trading liabilities
  • $0Other borrowed funds
  • $828Subordinated debt
  • $13,961All other liabilities
  • $13,961Total equity capital
  • $13,961Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $6,797Surplus
  • $6,924Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,209Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,922Income earned, not collected on loans
  • $0Earning assets
  • $463Long-term assets (5+ years)
  • $116,690Average Assets, year-to-date
  • $50,289Average Assets, quarterly
  • $121,080Volatile liabilities
  • $124,850Insider loans
  • $103,150FHLB advances
  • $124,755Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,360Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,082Restructured Loans and leases
  • $656Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,849Total interest income
  • $1,455Total interest expense
  • $5,394Net interest income
  • $262Provision for loan and lease losses
  • $1,154Total noninterest income
  • $0Fiduciary activities
  • $284Service charges on deposit accounts
  • $0Trading account gains & fees
  • $870Additional noninterest income
  • $4,718Total noninterest expense
  • $2,479Salaries and employee benefits
  • $434Premises and equipment expense
  • $1,805Additional noninterest expense
  • $1,568Pre-tax net operating income
  • $0Securities gains (losses)
  • $468Applicable income taxes
  • $1,100Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,100Net income attributable to bank
  • $0Net charge-offs
  • $1,100Cash dividends
  • $271Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.16%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 4.86%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 4.25%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 8.15%Return on equity (ROE)
  • 8.15%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 96.68%Credit loss provision to net charge-offs
  • 6.75%Efficiency ratio
  • 72,053Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 38.23%Noncurrent assets plus other real estate owned to assets
  • 3.90%Noncurrent loans to loans
  • 2.96%Net loans and leases to deposits
  • 92.81%Net loans and leases to core deposits
  • 103.69%Equity capital to assets
  • 11.02%Core capital (leverage) ratio
  • 10.71%Tier 1 risk-based capital ratio
  • 12.95%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $121,080Average earning assets
  • $13,490Average equity
  • $111,098Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    060629Kentucky Neighborhood Bank1000 North Dixie Avenue, Elizabethtown, KY 42702October 15, 1997Full Service Brick and Mortar
    1290701Crown Point Branch3030 Dolphin Drive, Suite #1, Elizabethtown, KY 42701December 01, 1998Full Service Brick and Mortar
    2465937North Hardin Branch990 South Dixie Hwy., Radcliff, KY 40160November 15, 2006Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Kentucky Neighborhood Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents