The Bank of Harlan in Harlan, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Harlan - Overview

  • General
  • FDIC Certificate #: 14200
    Status: Active
    Federal Reserve ID: 146618
    Bank Holding Company (Regulatory Top Holder): Banco Harlan, Inc. (RSSDID: 1141843, Location: Harlan, KY)
    Date Established: January 01, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8866
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 05, 1934
    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: First And Central Streets, Harlan, KY 40831
    County: Harlan
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $131.9 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $112.1 mil
    Return on assets (ROA): 0.46% ($0.6 mil)
    Quarterly return on assets: 1.00% ($1.3 mil)
    Return on Equity (ROE): 4.48% ($0.6 mil)
    Quarterly return on equity: 9.23% ($1.3 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.62% ($817.6 mil)
    Quarterly Pretax return on assets: 1.06% ($1,397.9 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
  • 37Total employees (full-time equivalent)
  • $131,873Total assets
  • $13,842Cash and due from depository institutions
  • $7,219Interest-bearing balances
  • $47,490Securities
  • $7,694Federal funds sold & reverse repurchase agreements
  • $55,954Net loans & leases
  • $1,200Loan loss allowance
  • $0Trading account assets
  • $1,733Bank premises and fixed assets
  • $238Other real estate owned
  • $0Goodwill and other intangibles
  • $131,873Life insurance assets
  • $4,922All other assets
  • $117,540Total liabilities and capital
  • $112,081Total liabilities
  • $83,339Total deposits
  • $112,081Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,307Trading liabilities
  • $0Other borrowed funds
  • $1,152Subordinated debt
  • $14,333All other liabilities
  • $14,333Total equity capital
  • $14,333Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $8,800Surplus
  • $4,333Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,162Income earned, not collected on loans
  • $0Earning assets
  • $472Long-term assets (5+ years)
  • $118,357Average Assets, year-to-date
  • $53,123Average Assets, quarterly
  • $131,640Volatile liabilities
  • $131,177Insider loans
  • $61,075FHLB advances
  • $131,144Loans and leases held for sale
  • $2,220Unused loan commitments
  • $2,220Tier 1 (core) risk-based capital
  • $13,556Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,844Restructured Loans and leases
  • $909Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,057Total interest income
  • $698Total interest expense
  • $4,359Net interest income
  • $255Provision for loan and lease losses
  • $876Total noninterest income
  • $0Fiduciary activities
  • $545Service charges on deposit accounts
  • $0Trading account gains & fees
  • $331Additional noninterest income
  • $4,160Total noninterest expense
  • $1,783Salaries and employee benefits
  • $878Premises and equipment expense
  • $1,499Additional noninterest expense
  • $820Pre-tax net operating income
  • $0Securities gains (losses)
  • $211Applicable income taxes
  • $609Income before extraordinary items
  • $0Extraordinary gains - net
  • $609Net income attributable to bank
  • $0Net charge-offs
  • $609Cash dividends
  • $731Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 4.48%Return on equity (ROE)
  • 4.48%Retained earnings to average equity (YTD only)
  • 1.24%Net charge-offs to loans
  • 34.88%Credit loss provision to net charge-offs
  • 1.47%Efficiency ratio
  • 79,465Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.10%Loss allowance to noncurrent loans
  • 55.50%Noncurrent assets plus other real estate owned to assets
  • 1.82%Noncurrent loans to loans
  • 3.78%Net loans and leases to deposits
  • 49.92%Net loans and leases to core deposits
  • 61.71%Equity capital to assets
  • 10.87%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 22.20%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $131,640Average earning assets
  • $13,603Average equity
  • $119,407Average loans

Total Fiduciary and Related Assets (December 31, 2009)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,840Managed Assets
  • 1Number of Accounts
  • $1,840Personal trust and agency accounts
  • $1,840Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 14Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $30Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08866The Bank Of HarlanFirst And Central Streets, Harlan, KY 40831January 01, 1934Full Service Brick and Mortar
    1231159Village Center BranchRoute 421 South, Harlan, KY 40831January 04, 1983Full Service Brick and Mortar
    2231160Mansion BranchMain & Mound Streets, Harlan, KY 40831September 01, 1987Full Service Brick and Mortar

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