The Commercial Bank of Grayson in Grayson, Kentucky (KY)



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The Commercial Bank of Grayson routing number info

Table of contents:
The Commercial Bank of Grayson
GeneralFDIC Certificate #: 10137
Status: Active
Federal Reserve ID: 812614
Bank Holding Company (Regulatory Top Holder): Commercial Grayson Bancshares Inc. (RSSDID: 1071810, Location: Grayson, KY)
Date Established: January 01, 1891
WWW: http://www.cbgrayson.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 9476
FDIC's unique #: 6488
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 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
LocationAddress: 208 East Main Street, Grayson, KY 41143
County: Carter
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
Metropolitan Statistical Area (MSA): Huntington-Ashland, WV-KY-OH (#3400)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $166.0 mil
Equity capital: $26.5 mil
Deposits held in domestic offices: $137.4 mil
Return on assets (ROA): 0.76% ($1.3 mil)
Quarterly return on assets: 0.77% ($1.3 mil)
Return on Equity (ROE): 4.69% ($1.2 mil)
Quarterly return on equity: 4.75% ($1.2 mil)
Net income: $1.2 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.97% ($1,610.1 mil)
Quarterly Pretax return on assets: 0.98% ($1,626.7 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)
Total employees (full-time equivalent)67
Total assets$165,993
Cash and due from depository institutions$10,487
Interest-bearing balances$567
Securities$85,289
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$64,681
Loan loss allowance $1,228
Trading account assets$0
Bank premises and fixed assets$2,408
Other real estate owned$0
Goodwill and other intangibles$150
All other assets$2,978
Life insurance assets$165,993
Total liabilities and capital$139,506
Total liabilities$137,383
Total deposits$101,765
Interest-bearing deposits$137,383
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,123
All other liabilities $26,487
Total equity capital$26,487
Total bank equity capital$26,487
Perpetual preferred stock$0
Common stock$1,000
Surplus$7,000
Undivided profits $18,487
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $372
Earning assets $0
Long-term assets (5+ years) $1,084
Average Assets, year-to-date $150,537
Average Assets, quarterly $35,632
Volatile liabilities $165,390
Insider loans $165,611
FHLB advances $85,513
Loans and leases held for sale $163,749
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,665
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,990
Derivatives$530
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,884
Total interest expense $422
Net interest income $6,462
Provision for loan and lease losses $90
Total noninterest income $1,046
Fiduciary activities $0
Service charges on deposit accounts $417
Trading account gains & fees $0
Additional noninterest income $629
Total noninterest expense $5,813
Salaries and employee benefits $3,489
Premises and equipment expense $426
Additional noninterest expense $1,898
Pre-tax net operating income $1,605
Securities gains (losses) -$1
Applicable income taxes $355
Income before extraordinary items $1,249
Extraordinary gains - net $0
Net income attributable to bank $1,249
Net charge-offs $0
Cash dividends $1,249
Sale, conversion, retirement of capital stock, net $73
Net operating income $1,100
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.65%
Cost of funding earning assets 0.29%
Net interest margin 4.37%
Noninterest income to earning assets 0.71%
Noninterest expense to earning assets 3.93%
Net operating income to assets 0.76%
Return on assets (ROA) 0.76%
Pretax return on assets 0.97%
Return on equity (ROE) 4.69%
Retained earnings to average equity (YTD only) 0.56%
Net charge-offs to loans 0.11%
Credit loss provision to net charge-offs 123.29%
Efficiency ratio23.22%
Assets per employee$77,424
Cash dividends to net income (YTD only)2.48%
Condition Ratios (%)
Loss allowance to loans 88.07%
Loss allowance to noncurrent loans 1.86%
Noncurrent assets plus other real estate owned to assets 330.11%
Noncurrent loans to loans 0.22%
Net loans and leases to deposits0.56%
Net loans and leases to core deposits 47.08%
Equity capital to assets 47.58%
Core capital (leverage) ratio 15.96%
Tier 1 risk-based capital ratio 15.67%
Total risk-based capital ratio 30.01%
Memoranda
Average assets$31
Average earning assets$165,390
Average equity $26,614
Average loans $148,001
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3 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06488The Commercial Bank Of Grayson208 East Main Street, Grayson, KY 41143January 01, 1891Full Service Brick and Mortar
1221909Interchange Branch109 Carol Malone Blvd, Grayson, KY 41143January 05, 1976Full Service Brick and Mortar
25592Olive Hill BranchTom T. Hall Boulevard, Olive Hill, KY 41164January 01, 1913Full Service Brick and Mortar
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