The Harrison Deposit Bank and Trust Company in Cynthiana, Kentucky (KY)
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| The Harrison Deposit Bank and Trust Company | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 12 |
| Total assets | $52,045 |
| Cash and due from depository institutions | $8,683 |
| Interest-bearing balances | $6,973 |
| Securities | $19,692 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $22,481 |
| Loan loss allowance | $149 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $547 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $642 |
| Life insurance assets | $52,045 |
| Total liabilities and capital | $46,583 |
| Total liabilities | $42,841 |
| Total deposits | $33,204 |
| Interest-bearing deposits | $42,841 |
| Deposits held in domestic offices | $93 |
| % insured (estimated) | 636.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $3,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $106 |
| All other liabilities | $5,462 |
| Total equity capital | $5,462 |
| Total bank equity capital | $5,462 |
| Perpetual preferred stock | $0 |
| Common stock | $600 |
| Surplus | $4,100 |
| Undivided profits | $762 |
| 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 | $36 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $185 |
| Average Assets, year-to-date | $49,146 |
| Average Assets, quarterly | $12,251 |
| Volatile liabilities | $51,726 |
| Insider loans | $51,243 |
| FHLB advances | $26,003 |
| Loans and leases held for sale | $52,169 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $5,379 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $2,445 |
| Derivatives | $1,346 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,704 |
| Total interest expense | $348 |
| Net interest income | $1,356 |
| Provision for loan and lease losses | $80 |
| Total noninterest income | $181 |
| Fiduciary activities | $4 |
| Service charges on deposit accounts | $120 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $57 |
| Total noninterest expense | $1,043 |
| Salaries and employee benefits | $549 |
| Premises and equipment expense | $116 |
| Additional noninterest expense | $378 |
| Pre-tax net operating income | $414 |
| Securities gains (losses) | $36 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $450 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $450 |
| Net charge-offs | $0 |
| Cash dividends | $450 |
| Sale, conversion, retirement of capital stock, net | $103 |
| Net operating income | $393 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.46% |
| Cost of funding earning assets | 0.71% |
| Net interest margin | 2.75% |
| Noninterest income to earning assets | 0.37% |
| Noninterest expense to earning assets | 2.12% |
| Net operating income to assets | 0.80% |
| Return on assets (ROA) | 0.87% |
| Pretax return on assets | 0.87% |
| Return on equity (ROE) | 8.32% |
| Retained earnings to average equity (YTD only) | 1.05% |
| Net charge-offs to loans | 0.44% |
| Credit loss provision to net charge-offs | 77.67% |
| Efficiency ratio | 4.80% |
| Assets per employee | $67,859 |
| Cash dividends to net income (YTD only) | 4.34% |
| Condition Ratios (%) | |
| Loss allowance to loans | 87.33% |
| Loss allowance to noncurrent loans | 0.66% |
| Noncurrent assets plus other real estate owned to assets | 413.89% |
| Noncurrent loans to loans | 0.07% |
| Net loans and leases to deposits | 0.16% |
| Net loans and leases to core deposits | 52.48% |
| Equity capital to assets | 57.47% |
| Core capital (leverage) ratio | 10.49% |
| Tier 1 risk-based capital ratio | 10.31% |
| Total risk-based capital ratio | 20.69% |
| Memoranda | |
| Average assets | $21 |
| Average earning assets | $51,726 |
| Average equity | $5,411 |
| Average loans | $49,289 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $1,024 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $1,024 |
| Employee benefit-defined contribution accounts | $1,024 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 9 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 2 Kentucky Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 7259 | The Harrison Deposit Bank And Trust | Walnut And Pike Streets, Cynthiana, KY 41031 | December 01, 1901 | Full Service Brick and Mortar |  |
| 1 | 224406 | H.D.b.t. Drive-Thru | 103 Bridge Street, Cynthiana, KY 41031 | October 12, 1994 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.