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

The Bankers' Bank of Kentucky, Inc. - Overview

  • General
  • FDIC Certificate #: 27219
    Status: Active
    Federal Reserve ID: 1187551
    Bank Holding Company (Regulatory Top Holder): Independent Community Bancorp, Inc. (RSSDID: 1248005, Location: Frankfort, KY)
    Date Established: April 12, 1988
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 39151
    Numeric code: 13
    Regulator: FED
    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: April 12, 1988
    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: 107 Progress Drive (40601), Frankfort, KY 40602
    County: Franklin
    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
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Frankfort, KY (#23180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $69.9 mil
    Equity capital: $11.1 mil
    Deposits held in domestic offices: $58.0 mil
    Return on assets (ROA): 1.00% ($0.7 mil)
    Quarterly return on assets: 1.35% ($0.9 mil)
    Return on Equity (ROE): 6.31% ($0.7 mil)
    Quarterly return on equity: 8.63% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.45% ($1,013.9 mil)
    Quarterly Pretax return on assets: 1.54% ($1,076.9 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
  • 28Total employees (full-time equivalent)
  • $69,927Total assets
  • $31,333Cash and due from depository institutions
  • $4,333Interest-bearing balances
  • $0Securities
  • $3,287Federal funds sold & reverse repurchase agreements
  • $31,571Net loans & leases
  • $465Loan loss allowance
  • $0Trading account assets
  • $1,390Bank premises and fixed assets
  • $638Other real estate owned
  • $0Goodwill and other intangibles
  • $69,927Life insurance assets
  • $1,708All other assets
  • $58,825Total liabilities and capital
  • $57,980Total liabilities
  • $0Total deposits
  • $57,980Interest-bearing deposits
  • $54Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $845Subordinated debt
  • $11,102All other liabilities
  • $11,102Total equity capital
  • $11,102Total bank equity capital
  • $0Perpetual preferred stock
  • $498Common stock
  • $4,502Surplus
  • $6,102Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $507Income earned, not collected on loans
  • $0Earning assets
  • $137Long-term assets (5+ years)
  • $39,191Average Assets, year-to-date
  • $1,298Average Assets, quarterly
  • $67,803Volatile liabilities
  • $70,253Insider loans
  • $36,340FHLB advances
  • $82,439Loans and leases held for sale
  • $492Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,102Tier 2 risk-based capital
  • $492Total risk weighted assets
  • $0Total unused commitments
  • $2,107Restructured Loans and leases
  • $723Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,757Total interest income
  • $45Total interest expense
  • $1,712Net interest income
  • $270Provision for loan and lease losses
  • $4,404Total noninterest income
  • $0Fiduciary activities
  • $2,384Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,020Additional noninterest income
  • $4,865Total noninterest expense
  • $1,977Salaries and employee benefits
  • $272Premises and equipment expense
  • $2,616Additional noninterest expense
  • $981Pre-tax net operating income
  • $0Securities gains (losses)
  • $304Applicable income taxes
  • $677Income before extraordinary items
  • $0Extraordinary gains - net
  • $677Net income attributable to bank
  • $0Net charge-offs
  • $677Cash dividends
  • $1,291Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.11%Cost of funding earning assets
  • 4.22%Net interest margin
  • 10.84%Noninterest income to earning assets
  • 11.98%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 6.31%Return on equity (ROE)
  • 6.31%Retained earnings to average equity (YTD only)
  • 3.81%Net charge-offs to loans
  • 20.91%Credit loss provision to net charge-offs
  • 0.97%Efficiency ratio
  • 79,545Assets per employee
  • 2.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 91.72%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 1.58%Net loans and leases to deposits
  • 54.45%Net loans and leases to core deposits
  • 54.45%Equity capital to assets
  • 15.88%Core capital (leverage) ratio
  • 13.47%Tier 1 risk-based capital ratio
  • 30.55%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $67,803Average earning assets
  • $10,728Average equity
  • $40,615Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039151The Bankers' Bank Of Kentucky, Inc.107 Progress Drive (40601), Frankfort, KY 40602April 12, 1988Full Service Brick and Mortar

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