The Bank of Henderson Inc. in Henderson, Kentucky (KY)



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The Bank of Henderson Inc. routing number info

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The Bank of Henderson Inc.
GeneralFDIC Certificate #: 35380
Status: Active
Federal Reserve ID: 2881593
Date Established: Febuary 22, 2000
WWW: http://www.thebankofhenderson.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 78848
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: Commercial Lending Specialization
Date of Deposit Insurance: Febuary 22, 2000
Last Structure Change Effective Date: January 31, 2012
Last Structure Change Process Date: Febuary 24, 2012
Last Data Update: Febuary 24, 2012
Data Source Date: April 05, 2012
LocationAddress: 208 North Main Street, Henderson, KY 42420
County: Henderson
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Evansville-Henderson, IN-KY (#2440)
Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
History of ChangesParticipated in Reorganization
Financial SummaryTotal assets: $75.3 mil
Equity capital: $8.0 mil
Deposits held in domestic offices: $56.1 mil
Return on assets (ROA): 1.15% ($0.9 mil)
Quarterly return on assets: 1.14% ($0.9 mil)
Return on Equity (ROE): 11.03% ($0.9 mil)
Quarterly return on equity: 10.68% ($0.9 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.15% ($865.9 mil)
Quarterly Pretax return on assets: 1.14% ($858.4 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)22
Total assets$75,295
Cash and due from depository institutions$1,341
Interest-bearing balances$140
Securities$9,761
Federal funds sold & reverse repurchase agreements$497
Net loans & leases$59,402
Loan loss allowance $1,043
Trading account assets$0
Bank premises and fixed assets$2,310
Other real estate owned$40
Goodwill and other intangibles$1,195
All other assets$749
Life insurance assets$75,295
Total liabilities and capital$67,297
Total liabilities$56,115
Total deposits$49,435
Interest-bearing deposits$56,115
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,788
Other borrowed funds $0
Subordinated debt $394
All other liabilities $7,998
Total equity capital$7,998
Total bank equity capital$7,998
Perpetual preferred stock$0
Common stock$5,000
Surplus$4,224
Undivided profits $-1,226
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $4,635
Income earned, not collected on loans $1,492
Earning assets $0
Long-term assets (5+ years) $273
Average Assets, year-to-date $69,800
Average Assets, quarterly $28,891
Volatile liabilities $69,740
Insider loans $74,368
FHLB advances $53,196
Loans and leases held for sale $71,777
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $6,257
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,126
Derivatives$606
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,813
Total interest expense $796
Net interest income $3,017
Provision for loan and lease losses $438
Total noninterest income $1,019
Fiduciary activities $0
Service charges on deposit accounts $83
Trading account gains & fees $0
Additional noninterest income $936
Total noninterest expense $2,797
Salaries and employee benefits $1,487
Premises and equipment expense $374
Additional noninterest expense $936
Pre-tax net operating income $801
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $801
Extraordinary gains - net $0
Net income attributable to bank $801
Net charge-offs $0
Cash dividends $801
Sale, conversion, retirement of capital stock, net $407
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.00%
Cost of funding earning assets 1.25%
Net interest margin 4.74%
Noninterest income to earning assets 1.60%
Noninterest expense to earning assets 4.40%
Net operating income to assets 1.15%
Return on assets (ROA) 1.15%
Pretax return on assets 1.15%
Return on equity (ROE) 11.03%
Retained earnings to average equity (YTD only) 11.03%
Net charge-offs to loans 0.77%
Credit loss provision to net charge-offs 107.62%
Efficiency ratio3.04%
Assets per employee$67,988
Cash dividends to net income (YTD only)3.42%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.73%
Noncurrent assets plus other real estate owned to assets 69.91%
Noncurrent loans to loans 2.03%
Net loans and leases to deposits2.47%
Net loans and leases to core deposits 105.86%
Equity capital to assets 113.12%
Core capital (leverage) ratio 10.62%
Tier 1 risk-based capital ratio 8.72%
Total risk-based capital ratio 11.76%
Memoranda
Average assets$13
Average earning assets$69,740
Average equity $7,262
Average loans $63,601
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2 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
078848The Bank Of Henderson Inc.208 North Main Street, Henderson, KY 42420Febuary 22, 2000Full Service Brick and Mortar
3480401Barret Branch2003 Stapp Drive, Henderson, KY 42420July 22, 2008Full Service Brick and Mortar
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