The Bank of Henderson Inc. in Henderson, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of Henderson Inc. - Overview

  • General
  • FDIC Certificate #: 35380
    Status: Active
    Federal Reserve ID: 2881593
    Date Established: Febuary 22, 2000
    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
  • Location
  • Address: 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 Changes
  • Participated in Reorganization
  • Financial Summary
  • Total 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
  • 22Total employees (full-time equivalent)
  • $75,295Total assets
  • $1,341Cash and due from depository institutions
  • $140Interest-bearing balances
  • $9,761Securities
  • $497Federal funds sold & reverse repurchase agreements
  • $59,402Net loans & leases
  • $1,043Loan loss allowance
  • $0Trading account assets
  • $2,310Bank premises and fixed assets
  • $40Other real estate owned
  • $1,195Goodwill and other intangibles
  • $75,295Life insurance assets
  • $749All other assets
  • $67,297Total liabilities and capital
  • $56,115Total liabilities
  • $49,435Total deposits
  • $56,115Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,788Trading liabilities
  • $0Other borrowed funds
  • $394Subordinated debt
  • $7,998All other liabilities
  • $7,998Total equity capital
  • $7,998Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $4,224Surplus
  • $-1,226Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,635Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,492Income earned, not collected on loans
  • $0Earning assets
  • $273Long-term assets (5+ years)
  • $69,800Average Assets, year-to-date
  • $28,891Average Assets, quarterly
  • $69,740Volatile liabilities
  • $74,368Insider loans
  • $53,196FHLB advances
  • $71,777Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,257Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,126Restructured Loans and leases
  • $606Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,813Total interest income
  • $796Total interest expense
  • $3,017Net interest income
  • $438Provision for loan and lease losses
  • $1,019Total noninterest income
  • $0Fiduciary activities
  • $83Service charges on deposit accounts
  • $0Trading account gains & fees
  • $936Additional noninterest income
  • $2,797Total noninterest expense
  • $1,487Salaries and employee benefits
  • $374Premises and equipment expense
  • $936Additional noninterest expense
  • $801Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $801Income before extraordinary items
  • $0Extraordinary gains - net
  • $801Net income attributable to bank
  • $0Net charge-offs
  • $801Cash dividends
  • $407Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.00%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 4.74%Net interest margin
  • 1.60%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 11.03%Return on equity (ROE)
  • 11.03%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 107.62%Credit loss provision to net charge-offs
  • 3.04%Efficiency ratio
  • 67,988Assets per employee
  • 3.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 69.91%Noncurrent assets plus other real estate owned to assets
  • 2.03%Noncurrent loans to loans
  • 2.47%Net loans and leases to deposits
  • 105.86%Net loans and leases to core deposits
  • 113.12%Equity capital to assets
  • 10.62%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 11.76%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $69,740Average earning assets
  • $7,262Average equity
  • $63,601Average loans

List of branches

  • 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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