The Kevil Bank in Kevil, Kentucky (KY)
| The Kevil Bank | |
|---|---|
| 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 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 6 |
| Total assets | $29,985 |
| Cash and due from depository institutions | $878 |
| Interest-bearing balances | $0 |
| Securities | $21,381 |
| Federal funds sold & reverse repurchase agreements | $1,526 |
| Net loans & leases | $5,887 |
| Loan loss allowance | $177 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $75 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $238 |
| Life insurance assets | $29,985 |
| Total liabilities and capital | $25,511 |
| Total liabilities | $25,427 |
| Total deposits | $22,476 |
| Interest-bearing deposits | $25,427 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $84 |
| All other liabilities | $4,474 |
| Total equity capital | $4,474 |
| Total bank equity capital | $4,474 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $1,800 |
| Undivided profits | $2,474 |
| 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 | $2 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $155 |
| Average Assets, year-to-date | $28,794 |
| Average Assets, quarterly | $17,651 |
| Volatile liabilities | $29,083 |
| Insider loans | $29,475 |
| FHLB advances | $10,859 |
| Loans and leases held for sale | $30,010 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $3,663 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $1,150 |
| Derivatives | $213 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,075 |
| Total interest expense | $150 |
| Net interest income | $925 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $106 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $83 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $23 |
| Total noninterest expense | $825 |
| Salaries and employee benefits | $471 |
| Premises and equipment expense | $53 |
| Additional noninterest expense | $301 |
| Pre-tax net operating income | $206 |
| Securities gains (losses) | $2 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $208 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $208 |
| Net charge-offs | $0 |
| Cash dividends | $208 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $184 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.83% |
| Cost of funding earning assets | 0.53% |
| Net interest margin | 3.30% |
| Noninterest income to earning assets | 0.38% |
| Noninterest expense to earning assets | 2.94% |
| Net operating income to assets | 0.71% |
| Return on assets (ROA) | 0.72% |
| Pretax return on assets | 0.72% |
| Return on equity (ROE) | 4.78% |
| Retained earnings to average equity (YTD only) | 0.55% |
| Net charge-offs to loans | 0.00% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 0.00% |
| Assets per employee | $80,019 |
| Cash dividends to net income (YTD only) | 5.00% |
| Condition Ratios (%) | |
| Loss allowance to loans | 88.46% |
| Loss allowance to noncurrent loans | 2.92% |
| Noncurrent assets plus other real estate owned to assets | 8850.00% |
| Noncurrent loans to loans | 0.01% |
| Net loans and leases to deposits | 0.03% |
| Net loans and leases to core deposits | 23.15% |
| Equity capital to assets | 23.86% |
| Core capital (leverage) ratio | 14.92% |
| Tier 1 risk-based capital ratio | 12.21% |
| Total risk-based capital ratio | 33.73% |
| Memoranda | |
| Average assets | $35 |
| Average earning assets | $29,083 |
| Average equity | $4,355 |
| Average loans | $28,052 |
| 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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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.