FDIC Certificate #: 10142 Status: Active Federal Reserve ID: 634946 Bank Holding Company (Regulatory Top Holder): Ballard Kevil Bancorp, Inc. (RSSDID: 1142484, Location: Kevil, KY) Date Established: November 01, 1906 WWW:http://www.kevilbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6491 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: Mortgage Lending Specialization 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: 952 Kentucky Avenue, Kevil, KY 42053 County: Ballard Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Hopkinsville Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424) Core Based Statistical Area (CBSA): Paducah, KY-IL (#37140) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $30.0 mil Equity capital: $4.5 mil Deposits held in domestic offices: $25.4 mil Return on assets (ROA): 0.72% ($0.2 mil) Quarterly return on assets: 0.52% ($0.2 mil) Return on Equity (ROE): 4.78% ($0.2 mil) Quarterly return on equity: 3.33% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.72% ($215.9 mil) Quarterly Pretax return on assets: 0.52% ($155.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$29,985Total assets
$878Cash and due from depository institutions
$0Interest-bearing balances
$21,381Securities
$1,526Federal funds sold & reverse repurchase agreements
$5,887Net loans & leases
$177Loan loss allowance
$0Trading account assets
$75Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$29,985Life insurance assets
$238All other assets
$25,511Total liabilities and capital
$25,427Total liabilities
$22,476Total deposits
$25,427Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$84Subordinated debt
$4,474All other liabilities
$4,474Total equity capital
$4,474Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,800Surplus
$2,474Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$155Long-term assets (5+ years)
$28,794Average Assets, year-to-date
$17,651Average Assets, quarterly
$29,083Volatile liabilities
$29,475Insider loans
$10,859FHLB advances
$30,010Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,663Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,150Restructured Loans and leases
$213Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,075Total interest income
$150Total interest expense
$925Net interest income
$0Provision for loan and lease losses
$106Total noninterest income
$0Fiduciary activities
$83Service charges on deposit accounts
$0Trading account gains & fees
$23Additional noninterest income
$825Total noninterest expense
$471Salaries and employee benefits
$53Premises and equipment expense
$301Additional noninterest expense
$206Pre-tax net operating income
$2Securities gains (losses)
$0Applicable income taxes
$208Income before extraordinary items
$0Extraordinary gains - net
$208Net income attributable to bank
$0Net charge-offs
$208Cash dividends
$0Sale, conversion, retirement of capital stock, net
$184Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.83%Yield on earning assets
0.53%Cost of funding earning assets
3.30%Net interest margin
0.38%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
0.71%Net operating income to assets
0.72%Return on assets (ROA)
0.72%Pretax return on assets
4.78%Return on equity (ROE)
0.55%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
80,019Assets per employee
5.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.46%Loss allowance to loans
2.92%Loss allowance to noncurrent loans
8850.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.03%Net loans and leases to deposits
23.15%Net loans and leases to core deposits
23.86%Equity capital to assets
14.92%Core capital (leverage) ratio
12.21%Tier 1 risk-based capital ratio
33.73%Total risk-based capital ratio
Memoranda
$35Average assets
$29,083Average earning assets
$4,355Average equity
$28,052Average loans
List of branches
1 Kentucky Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6491
The Kevil Bank
952 Kentucky Avenue, Kevil, KY 42053
November 01, 1906
Full Service Brick and Mortar
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