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
    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

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