The Kevil Bank in Kevil, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Kevil Bank - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    06491The Kevil Bank952 Kentucky Avenue, Kevil, KY 42053November 01, 1906Full Service Brick and Mortar

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