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


Owingsville Banking Company - Overview

  • General
  • FDIC Certificate #: 9672
    Status: Active
    Federal Reserve ID: 492810
    Bank Holding Company (Regulatory Top Holder): Bath County Banking Company (RSSDID: 1071735, Location: Owingsville, KY)
    Date Established: May 10, 1893
    WWW: http://www.bankobc.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 #: 16019
    FDIC's unique #: 6188
    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: Consumer Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 15, 2010
    Last Structure Change Process Date: December 15, 2010
    Last Data Update: December 15, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 49 West Main Street, Owingsville, KY 40360
    County: Bath
    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
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Mount Sterling, KY (#34460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $68.1 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $55.0 mil
    Return on assets (ROA): 0.37% ($0.3 mil)
    Quarterly return on assets: 0.35% ($0.2 mil)
    Return on Equity (ROE): 3.79% ($0.2 mil)
    Quarterly return on equity: 3.71% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.40% ($272.3 mil)
    Quarterly Pretax return on assets: -0.33% (-$224.7 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
  • 29Total employees (full-time equivalent)
  • $68,081Total assets
  • $1,635Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,955Securities
  • $3,144Federal funds sold & reverse repurchase agreements
  • $42,839Net loans & leases
  • $620Loan loss allowance
  • $0Trading account assets
  • $1,935Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $68,081Life insurance assets
  • $1,573All other assets
  • $62,104Total liabilities and capital
  • $54,988Total liabilities
  • $48,453Total deposits
  • $54,988Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 1000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,364Trading liabilities
  • $0Other borrowed funds
  • $1,752Subordinated debt
  • $5,977All other liabilities
  • $5,977Total equity capital
  • $5,977Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $1,600Surplus
  • $4,277Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,186Income earned, not collected on loans
  • $0Earning assets
  • $634Long-term assets (5+ years)
  • $62,938Average Assets, year-to-date
  • $8,027Average Assets, quarterly
  • $67,096Volatile liabilities
  • $67,114Insider loans
  • $43,372FHLB advances
  • $68,025Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,696Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,846Restructured Loans and leases
  • $105Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,775Total interest income
  • $719Total interest expense
  • $3,056Net interest income
  • $448Provision for loan and lease losses
  • $438Total noninterest income
  • $0Fiduciary activities
  • $305Service charges on deposit accounts
  • $0Trading account gains & fees
  • $133Additional noninterest income
  • $2,778Total noninterest expense
  • $1,389Salaries and employee benefits
  • $343Premises and equipment expense
  • $1,046Additional noninterest expense
  • $268Pre-tax net operating income
  • $0Securities gains (losses)
  • $21Applicable income taxes
  • $247Income before extraordinary items
  • $0Extraordinary gains - net
  • $247Net income attributable to bank
  • $0Net charge-offs
  • $247Cash dividends
  • $454Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.08%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.92%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 3.79%Return on equity (ROE)
  • 0.72%Retained earnings to average equity (YTD only)
  • 1.02%Net charge-offs to loans
  • 98.68%Credit loss provision to net charge-offs
  • 1.58%Efficiency ratio
  • 79,508Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.97%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 52.28%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 2.73%Net loans and leases to deposits
  • 77.91%Net loans and leases to core deposits
  • 78.30%Equity capital to assets
  • 8.78%Core capital (leverage) ratio
  • 9.84%Tier 1 risk-based capital ratio
  • 15.44%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $67,096Average earning assets
  • $6,510Average equity
  • $62,107Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06188Owingsville Banking Company49 West Main Street, Owingsville, KY 40360May 10, 1893Full Service Brick and Mortar
    1220807Brendan BranchMiller Shopping Center Po Box 575, Owingsville, KY 40360August 27, 1986Full Service Brick and Mortar
    2470115Salt Lick Branch23 Main Street, Salt Lick, KY 40371December 18, 2007Full Service Brick and Mortar

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