The Harrison Deposit Bank and Trust Company in Cynthiana, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Harrison Deposit Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 11361
    Status: Active
    Federal Reserve ID: 857017
    Bank Holding Company (Regulatory Top Holder): Harrison Bancorporation (RSSDID: 1070466, Location: Cynthiana, KY)
    Date Established: December 01, 1901
    WWW: http://www.harrisondepositbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11003
    FDIC's unique #: 7259
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 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
  • Location
  • Address: Walnut And Pike Streets, Cynthiana, KY 41031
    County: Harrison
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.0 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $42.8 mil
    Return on assets (ROA): 0.87% ($0.5 mil)
    Quarterly return on assets: 0.44% ($0.2 mil)
    Return on Equity (ROE): 8.32% ($0.4 mil)
    Quarterly return on equity: 4.08% ($0.2 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.87% ($452.8 mil)
    Quarterly Pretax return on assets: 0.44% ($229.0 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
  • 12Total employees (full-time equivalent)
  • $52,045Total assets
  • $8,683Cash and due from depository institutions
  • $6,973Interest-bearing balances
  • $19,692Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $22,481Net loans & leases
  • $149Loan loss allowance
  • $0Trading account assets
  • $547Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $52,045Life insurance assets
  • $642All other assets
  • $46,583Total liabilities and capital
  • $42,841Total liabilities
  • $33,204Total deposits
  • $42,841Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 636.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $106Subordinated debt
  • $5,462All other liabilities
  • $5,462Total equity capital
  • $5,462Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $4,100Surplus
  • $762Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $36Income earned, not collected on loans
  • $0Earning assets
  • $185Long-term assets (5+ years)
  • $49,146Average Assets, year-to-date
  • $12,251Average Assets, quarterly
  • $51,726Volatile liabilities
  • $51,243Insider loans
  • $26,003FHLB advances
  • $52,169Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,379Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,445Restructured Loans and leases
  • $1,346Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,704Total interest income
  • $348Total interest expense
  • $1,356Net interest income
  • $80Provision for loan and lease losses
  • $181Total noninterest income
  • $4Fiduciary activities
  • $120Service charges on deposit accounts
  • $0Trading account gains & fees
  • $57Additional noninterest income
  • $1,043Total noninterest expense
  • $549Salaries and employee benefits
  • $116Premises and equipment expense
  • $378Additional noninterest expense
  • $414Pre-tax net operating income
  • $36Securities gains (losses)
  • $0Applicable income taxes
  • $450Income before extraordinary items
  • $0Extraordinary gains - net
  • $450Net income attributable to bank
  • $0Net charge-offs
  • $450Cash dividends
  • $103Sale, conversion, retirement of capital stock, net
  • $393Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.46%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 2.75%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 8.32%Return on equity (ROE)
  • 1.05%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 77.67%Credit loss provision to net charge-offs
  • 4.80%Efficiency ratio
  • 67,859Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.33%Loss allowance to loans
  • 0.66%Loss allowance to noncurrent loans
  • 413.89%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 52.48%Net loans and leases to core deposits
  • 57.47%Equity capital to assets
  • 10.49%Core capital (leverage) ratio
  • 10.31%Tier 1 risk-based capital ratio
  • 20.69%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $51,726Average earning assets
  • $5,411Average equity
  • $49,289Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,024Managed Assets
  • 1Number of Accounts
  • $1,024Personal trust and agency accounts
  • $1,024Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 9Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07259The Harrison Deposit Bank And TrustWalnut And Pike Streets, Cynthiana, KY 41031December 01, 1901Full Service Brick and Mortar
    1224406H.D.b.t. Drive-Thru103 Bridge Street, Cynthiana, KY 41031October 12, 1994Full Service Brick and Mortar

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