The Casey County Bank, Inc. in Liberty, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Casey County Bank, Inc. - Overview

  • General
  • FDIC Certificate #: 15708
    Status: Active
    Federal Reserve ID: 646145
    Bank Holding Company (Regulatory Top Holder): Casey County Bancorp, Inc. (RSSDID: 1398768, Location: Liberty, KY)
    Date Established: December 20, 1939
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13596
    FDIC's unique #: 9974
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 20, 1939
    Last Structure Change Effective Date: November 02, 2009
    Last Structure Change Process Date: November 03, 2009
    Last Data Update: November 03, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 176 Wallace Wilkinson Boulevard, Liberty, KY 42539
    County: Casey
    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
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $160.2 mil
    Equity capital: $20.0 mil
    Deposits held in domestic offices: $132.5 mil
    Return on assets (ROA): 1.27% ($2.0 mil)
    Quarterly return on assets: 1.26% ($2.0 mil)
    Return on Equity (ROE): 10.49% ($2.1 mil)
    Quarterly return on equity: 10.01% ($2.0 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.68% ($2,691.7 mil)
    Quarterly Pretax return on assets: 1.67% ($2,675.7 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
  • 48Total employees (full-time equivalent)
  • $160,219Total assets
  • $6,350Cash and due from depository institutions
  • $1,414Interest-bearing balances
  • $29,866Securities
  • $2,509Federal funds sold & reverse repurchase agreements
  • $113,519Net loans & leases
  • $1,547Loan loss allowance
  • $0Trading account assets
  • $3,891Bank premises and fixed assets
  • $991Other real estate owned
  • $0Goodwill and other intangibles
  • $160,219Life insurance assets
  • $3,093All other assets
  • $140,241Total liabilities and capital
  • $132,480Total liabilities
  • $110,652Total deposits
  • $132,480Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 512.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $1,249Subordinated debt
  • $19,978All other liabilities
  • $19,978Total equity capital
  • $19,978Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $9,000Surplus
  • $10,478Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $988Income earned, not collected on loans
  • $0Earning assets
  • $1,326Long-term assets (5+ years)
  • $147,308Average Assets, year-to-date
  • $85,894Average Assets, quarterly
  • $159,810Volatile liabilities
  • $159,634Insider loans
  • $112,668FHLB advances
  • $159,884Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,193Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,365Restructured Loans and leases
  • $842Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,572Total interest income
  • $2,085Total interest expense
  • $6,487Net interest income
  • $600Provision for loan and lease losses
  • $1,315Total noninterest income
  • $0Fiduciary activities
  • $977Service charges on deposit accounts
  • $0Trading account gains & fees
  • $338Additional noninterest income
  • $4,534Total noninterest expense
  • $2,405Salaries and employee benefits
  • $564Premises and equipment expense
  • $1,565Additional noninterest expense
  • $2,668Pre-tax net operating income
  • $16Securities gains (losses)
  • $647Applicable income taxes
  • $2,037Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,037Net income attributable to bank
  • $0Net charge-offs
  • $2,037Cash dividends
  • $505Sale, conversion, retirement of capital stock, net
  • $1,091Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.80%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 10.49%Return on equity (ROE)
  • 4.87%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 118.81%Credit loss provision to net charge-offs
  • 6.47%Efficiency ratio
  • 58,113Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.56%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 156.58%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 0.86%Net loans and leases to deposits
  • 85.69%Net loans and leases to core deposits
  • 91.03%Equity capital to assets
  • 12.47%Core capital (leverage) ratio
  • 12.00%Tier 1 risk-based capital ratio
  • 17.04%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $159,810Average earning assets
  • $19,427Average equity
  • $147,863Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09974The Casey County Bank, Inc.176 Wallace Wilkinson Boulevard, Liberty, KY 42539December 20, 1939Full Service Brick and Mortar
    1235063Drive-In BranchMiddleburg Street, Liberty, KY 42539January 18, 1964Limited Service Facility
    2235064Dunnville BranchU.S. Highway 127, Dunnville, KY 42528June 02, 1972Limited Service Facility
    5235066East Casey Branch7624 Kentucky Highway 70 East, Yosemite, KY 42566August 30, 1999Full Service Brick and Mortar

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