Lewisburg Banking Company in Lewisburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Lewisburg Banking Company - Overview

  • General
  • FDIC Certificate #: 297
    Status: Active
    Federal Reserve ID: 580847
    Bank Holding Company (Regulatory Top Holder): Lewisburg Bancshares Corporation (RSSDID: 1250071, Location: Lewisburg, KY)
    Date Established: Febuary 10, 1894
    WWW: http://www.lewisburgbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9961
    FDIC's unique #: 240
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 14, 2011
    Last Structure Change Process Date: December 21, 2011
    Last Data Update: December 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 287 North Main St, Lewisburg, KY 42256
    County: Logan
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $100.5 mil
    Equity capital: $11.1 mil
    Deposits held in domestic offices: $85.4 mil
    Return on assets (ROA): 1.46% ($1.5 mil)
    Quarterly return on assets: 1.38% ($1.4 mil)
    Return on Equity (ROE): 13.29% ($1.5 mil)
    Quarterly return on equity: 12.69% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.46% ($1,466.9 mil)
    Quarterly Pretax return on assets: 1.38% ($1,386.6 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
  • 30Total employees (full-time equivalent)
  • $100,476Total assets
  • $2,759Cash and due from depository institutions
  • $24Interest-bearing balances
  • $29,733Securities
  • $3,319Federal funds sold & reverse repurchase agreements
  • $61,218Net loans & leases
  • $675Loan loss allowance
  • $0Trading account assets
  • $964Bank premises and fixed assets
  • $18Other real estate owned
  • $447Goodwill and other intangibles
  • $100,476Life insurance assets
  • $2,018All other assets
  • $89,386Total liabilities and capital
  • $85,361Total liabilities
  • $67,717Total deposits
  • $85,361Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 3795.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $80Trading liabilities
  • $0Other borrowed funds
  • $150Subordinated debt
  • $11,090All other liabilities
  • $11,090Total equity capital
  • $11,090Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $4,700Surplus
  • $6,090Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $445Income earned, not collected on loans
  • $0Earning assets
  • $606Long-term assets (5+ years)
  • $94,294Average Assets, year-to-date
  • $59,843Average Assets, quarterly
  • $95,263Volatile liabilities
  • $101,195Insider loans
  • $61,956FHLB advances
  • $100,227Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,019Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,792Restructured Loans and leases
  • $685Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,287Total interest income
  • $763Total interest expense
  • $3,524Net interest income
  • $155Provision for loan and lease losses
  • $586Total noninterest income
  • $0Fiduciary activities
  • $354Service charges on deposit accounts
  • $0Trading account gains & fees
  • $232Additional noninterest income
  • $2,574Total noninterest expense
  • $1,338Salaries and employee benefits
  • $229Premises and equipment expense
  • $1,007Additional noninterest expense
  • $1,381Pre-tax net operating income
  • $7Securities gains (losses)
  • $0Applicable income taxes
  • $1,388Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,388Net income attributable to bank
  • $0Net charge-offs
  • $1,388Cash dividends
  • $139Sale, conversion, retirement of capital stock, net
  • $912Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 1.45%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 13.29%Return on equity (ROE)
  • 4.56%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 111.51%Credit loss provision to net charge-offs
  • 11.05%Efficiency ratio
  • 62,628Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.71%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 151.69%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 71.72%Net loans and leases to core deposits
  • 75.10%Equity capital to assets
  • 11.04%Core capital (leverage) ratio
  • 10.00%Tier 1 risk-based capital ratio
  • 16.17%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $95,263Average earning assets
  • $10,445Average equity
  • $89,857Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0240Lewisburg Banking Company287 North Main St, Lewisburg, KY 42256Febuary 10, 1894Full Service Brick and Mortar
    1181478Russellville Branch780 Hopkinsville Road, Russellville, KY 42276June 14, 1993Full Service Brick and Mortar
    2500102Russellville Drive-Thru200 Armory Drive, Russellville, KY 42276December 07, 2009Limited Service Facility
    31771Adairville Branch109 Park Avenue, Adairville, KY 42202January 01, 1886Full Service Brick and Mortar

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