Taylor County Bank in Campbellsville, Kentucky (KY)



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Taylor County Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$156,113
Cash and due from depository institutions$3,855
Interest-bearing balances$344
Securities$34,177
Federal funds sold & reverse repurchase agreements$764
Net loans & leases$111,834
Loan loss allowance $1,240
Trading account assets$0
Bank premises and fixed assets$2,646
Other real estate owned$283
Goodwill and other intangibles$0
All other assets$2,554
Life insurance assets$156,113
Total liabilities and capital$139,382
Total liabilities$127,272
Total deposits$106,562
Interest-bearing deposits$127,272
Deposits held in domestic offices$96
% insured (estimated)1534.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,100
Other borrowed funds $0
Subordinated debt $1,476
All other liabilities $16,731
Total equity capital$16,731
Total bank equity capital$16,731
Perpetual preferred stock$0
Common stock$280
Surplus$10,420
Undivided profits $6,031
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $335
Earning assets $0
Long-term assets (5+ years) $831
Average Assets, year-to-date $147,119
Average Assets, quarterly $97,347
Volatile liabilities $153,611
Insider loans $158,127
FHLB advances $110,710
Loans and leases held for sale $156,998
Unused loan commitments $379
Tier 1 (core) risk-based capital $379
Tier 2 risk-based capital $15,219
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,213
Derivatives$1,790
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,144
Total interest expense $1,528
Net interest income $6,616
Provision for loan and lease losses $435
Total noninterest income $1,170
Fiduciary activities $0
Service charges on deposit accounts $665
Trading account gains & fees $0
Additional noninterest income $505
Total noninterest expense $4,080
Salaries and employee benefits $2,054
Premises and equipment expense $652
Additional noninterest expense $1,374
Pre-tax net operating income $3,271
Securities gains (losses) $37
Applicable income taxes $0
Income before extraordinary items $3,308
Extraordinary gains - net $0
Net income attributable to bank $3,308
Net charge-offs $0
Cash dividends $3,308
Sale, conversion, retirement of capital stock, net $94
Net operating income $1,650
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.63%
Cost of funding earning assets 1.06%
Net interest margin 4.58%
Noninterest income to earning assets 0.81%
Noninterest expense to earning assets 2.82%
Net operating income to assets 2.13%
Return on assets (ROA) 2.15%
Pretax return on assets 2.15%
Return on equity (ROE) 21.03%
Retained earnings to average equity (YTD only) 10.54%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 462.77%
Efficiency ratio39.43%
Assets per employee$52,402
Cash dividends to net income (YTD only)3.55%
Condition Ratios (%)
Loss allowance to loans 49.88%
Loss allowance to noncurrent loans 1.10%
Noncurrent assets plus other real estate owned to assets 370.15%
Noncurrent loans to loans 0.40%
Net loans and leases to deposits0.30%
Net loans and leases to core deposits 87.87%
Equity capital to assets 89.01%
Core capital (leverage) ratio 10.72%
Tier 1 risk-based capital ratio 9.69%
Total risk-based capital ratio 13.75%
Memoranda
Average assets$15
Average earning assets$153,611
Average equity $15,729
Average loans $144,574
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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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