Taylor County Bank in Campbellsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Taylor County Bank - Overview

  • General
  • FDIC Certificate #: 15590
    Status: Active
    Federal Reserve ID: 831941
    Bank Holding Company (Regulatory Top Holder): Taylor County Bancshares, Inc. (RSSDID: 1119105, Location: Campbellsville, KY)
    Date Established: September 01, 1937
    WWW: http://www.taylorcountybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9299
    FDIC's unique #: 9876
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 06, 1938
    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: Broadway And Lebanon Avenues, Campbellsville, KY 42718
    County: Taylor
    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
    Core Based Statistical Area (CBSA): Campbellsville, KY (#15820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $156.1 mil
    Equity capital: $16.7 mil
    Deposits held in domestic offices: $127.3 mil
    Return on assets (ROA): 2.15% ($3.4 mil)
    Quarterly return on assets: 2.23% ($3.5 mil)
    Return on Equity (ROE): 21.03% ($3.6 mil)
    Quarterly return on equity: 20.89% ($3.6 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 2.15% ($3,356.4 mil)
    Quarterly Pretax return on assets: 2.23% ($3,481.3 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
  • 44Total employees (full-time equivalent)
  • $156,113Total assets
  • $3,855Cash and due from depository institutions
  • $344Interest-bearing balances
  • $34,177Securities
  • $764Federal funds sold & reverse repurchase agreements
  • $111,834Net loans & leases
  • $1,240Loan loss allowance
  • $0Trading account assets
  • $2,646Bank premises and fixed assets
  • $283Other real estate owned
  • $0Goodwill and other intangibles
  • $156,113Life insurance assets
  • $2,554All other assets
  • $139,382Total liabilities and capital
  • $127,272Total liabilities
  • $106,562Total deposits
  • $127,272Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 1534.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,100Trading liabilities
  • $0Other borrowed funds
  • $1,476Subordinated debt
  • $16,731All other liabilities
  • $16,731Total equity capital
  • $16,731Total bank equity capital
  • $0Perpetual preferred stock
  • $280Common stock
  • $10,420Surplus
  • $6,031Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $335Income earned, not collected on loans
  • $0Earning assets
  • $831Long-term assets (5+ years)
  • $147,119Average Assets, year-to-date
  • $97,347Average Assets, quarterly
  • $153,611Volatile liabilities
  • $158,127Insider loans
  • $110,710FHLB advances
  • $156,998Loans and leases held for sale
  • $379Unused loan commitments
  • $379Tier 1 (core) risk-based capital
  • $15,219Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,213Restructured Loans and leases
  • $1,790Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,144Total interest income
  • $1,528Total interest expense
  • $6,616Net interest income
  • $435Provision for loan and lease losses
  • $1,170Total noninterest income
  • $0Fiduciary activities
  • $665Service charges on deposit accounts
  • $0Trading account gains & fees
  • $505Additional noninterest income
  • $4,080Total noninterest expense
  • $2,054Salaries and employee benefits
  • $652Premises and equipment expense
  • $1,374Additional noninterest expense
  • $3,271Pre-tax net operating income
  • $37Securities gains (losses)
  • $0Applicable income taxes
  • $3,308Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,308Net income attributable to bank
  • $0Net charge-offs
  • $3,308Cash dividends
  • $94Sale, conversion, retirement of capital stock, net
  • $1,650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 4.58%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 2.13%Net operating income to assets
  • 2.15%Return on assets (ROA)
  • 2.15%Pretax return on assets
  • 21.03%Return on equity (ROE)
  • 10.54%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 462.77%Credit loss provision to net charge-offs
  • 39.43%Efficiency ratio
  • 52,402Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.88%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 370.15%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 87.87%Net loans and leases to core deposits
  • 89.01%Equity capital to assets
  • 10.72%Core capital (leverage) ratio
  • 9.69%Tier 1 risk-based capital ratio
  • 13.75%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $153,611Average earning assets
  • $15,729Average equity
  • $144,574Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09876Taylor County BankBroadway And Lebanon Avenues, Campbellsville, KY 42718September 01, 1937Full Service Brick and Mortar
    2234582Tcb Express1302 1/2 East Broadway, Campbellsville, KY 42718Febuary 02, 1968Limited Service Facility
    3234583Greenriver Plaza Branch405 Campbellsville Bypass, Campbellsville, KY 42718March 27, 1996Full Service Retail
    4361321Www.Taylorcountybank.com BranchBroadway And Lebanon Avenues, Campbellsville, KY 42718March 30, 2000Full Service Cyber

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