THE BANK - Oldham County, Inc. in Lagrange, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

THE BANK - Oldham County, Inc. - Overview

  • General
  • FDIC Certificate #: 33829
    Status: Active
    Federal Reserve ID: 2087845
    Bank Holding Company (Regulatory Top Holder): Bancorp, Inc., The (RSSDID: 2116473, Location: La Grange, KY)
    Date Established: September 01, 1993
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12791
    FDIC's unique #: 48136
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: September 01, 1993
    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: 515 South First Street, Lagrange, KY 40031
    County: Oldham
    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
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    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: $142.6 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $120.9 mil
    Return on assets (ROA): 0.38% ($0.5 mil)
    Quarterly return on assets: 0.43% ($0.6 mil)
    Return on Equity (ROE): 3.41% ($0.6 mil)
    Quarterly return on equity: 3.62% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.44% ($627.4 mil)
    Quarterly Pretax return on assets: 0.51% ($727.2 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
  • 42Total employees (full-time equivalent)
  • $142,585Total assets
  • $5,687Cash and due from depository institutions
  • $275Interest-bearing balances
  • $70,396Securities
  • $13,583Federal funds sold & reverse repurchase agreements
  • $49,087Net loans & leases
  • $859Loan loss allowance
  • $0Trading account assets
  • $1,092Bank premises and fixed assets
  • $783Other real estate owned
  • $0Goodwill and other intangibles
  • $142,585Life insurance assets
  • $1,957All other assets
  • $125,910Total liabilities and capital
  • $120,889Total liabilities
  • $96,212Total deposits
  • $120,889Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 4419.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $602Subordinated debt
  • $16,675All other liabilities
  • $16,675Total equity capital
  • $16,675Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $5,650Surplus
  • $9,525Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,044Income earned, not collected on loans
  • $0Earning assets
  • $436Long-term assets (5+ years)
  • $133,341Average Assets, year-to-date
  • $38,584Average Assets, quarterly
  • $143,453Volatile liabilities
  • $141,370Insider loans
  • $68,010FHLB advances
  • $152,080Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,771Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,385Restructured Loans and leases
  • $3,669Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,543Total interest income
  • $314Total interest expense
  • $4,229Net interest income
  • $60Provision for loan and lease losses
  • $1,434Total noninterest income
  • $0Fiduciary activities
  • $763Service charges on deposit accounts
  • $0Trading account gains & fees
  • $671Additional noninterest income
  • $4,995Total noninterest expense
  • $2,353Salaries and employee benefits
  • $579Premises and equipment expense
  • $2,063Additional noninterest expense
  • $608Pre-tax net operating income
  • $30Securities gains (losses)
  • $86Applicable income taxes
  • $552Income before extraordinary items
  • $0Extraordinary gains - net
  • $552Net income attributable to bank
  • $0Net charge-offs
  • $552Cash dividends
  • $592Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.38%Yield on earning assets
  • 0.23%Cost of funding earning assets
  • 3.15%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 0.37%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 3.41%Return on equity (ROE)
  • 2.79%Retained earnings to average equity (YTD only)
  • 1.10%Net charge-offs to loans
  • 10.14%Credit loss provision to net charge-offs
  • 1.13%Efficiency ratio
  • 88,204Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.12%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 82.28%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 40.61%Net loans and leases to core deposits
  • 41.91%Equity capital to assets
  • 11.69%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 23.19%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $143,453Average earning assets
  • $16,205Average equity
  • $134,378Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048136The Bank - Oldham County, Inc.515 South First Street, Lagrange, KY 40031September 01, 1993Full Service Brick and Mortar
    1289932Crestwood Branch6317 West Highway 146, Crestwood, KY 40014January 23, 1995Full Service Brick and Mortar
    2289933Prospect Branch12889 W. Hwy 42, Prospect, KY 40059Febuary 22, 2000Full Service Brick and Mortar
    3364279Anchorage Branch12900 Factory Lane, Louisville, KY 40245July 18, 2001Full Service Brick and Mortar

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