The Salyersville National Bank in Salyersville, Kentucky (KY)
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| The Salyersville National Bank | |
|---|---|
| General | FDIC Certificate #: 2723 Status: Active Federal Reserve ID: 472018 Bank Holding Company (Regulatory Top Holder): Snb Bancorp, Inc. (RSSDID: 2896207, Location: Salyersville, KY) Date Established: October 10, 1902 WWW: http://www.salyersvillebank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Domestic: 2, Interstate: No) OTS Docket #: 11168 FDIC's unique #: 1765 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 200 E Maple Street, Salyersville, KY 41465 County: Magoffin 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 | Change in Location |
| Financial Summary | Total assets: $109.1 mil Equity capital: $14.4 mil Deposits held in domestic offices: $92.2 mil Return on assets (ROA): 0.95% ($1.0 mil) Quarterly return on assets: 0.67% ($0.7 mil) Return on Equity (ROE): 7.19% ($1.0 mil) Quarterly return on equity: 5.04% ($0.7 mil) Net income: $1.0 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.20% ($1,309.2 mil) Quarterly Pretax return on assets: 0.89% ($971.0 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 31 |
| Total assets | $109,103 |
| Cash and due from depository institutions | $11,752 |
| Interest-bearing balances | $10,088 |
| Securities | $43,159 |
| Federal funds sold & reverse repurchase agreements | $1,650 |
| Net loans & leases | $49,627 |
| Loan loss allowance | $384 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $840 |
| Other real estate owned | $389 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,686 |
| Life insurance assets | $109,103 |
| Total liabilities and capital | $94,553 |
| Total liabilities | $92,202 |
| Total deposits | $76,682 |
| Interest-bearing deposits | $92,202 |
| Deposits held in domestic offices | $83 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $1,764 |
| Other borrowed funds | $0 |
| Subordinated debt | $587 |
| All other liabilities | $14,550 |
| Total equity capital | $14,418 |
| Total bank equity capital | $14,418 |
| Perpetual preferred stock | $0 |
| Common stock | $100 |
| Surplus | $200 |
| Undivided profits | $14,118 |
| Memoranda | |
| Noncurrent loans and leases | $132 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $401 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $461 |
| Average Assets, year-to-date | $104,524 |
| Average Assets, quarterly | $27,162 |
| Volatile liabilities | $106,203 |
| Insider loans | $108,922 |
| FHLB advances | $46,230 |
| Loans and leases held for sale | $108,937 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $14,098 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $1,676 |
| Derivatives | $548 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,430 |
| Total interest expense | $709 |
| Net interest income | $3,721 |
| Provision for loan and lease losses | $310 |
| Total noninterest income | $411 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $291 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $120 |
| Total noninterest expense | $2,798 |
| Salaries and employee benefits | $1,424 |
| Premises and equipment expense | $544 |
| Additional noninterest expense | $830 |
| Pre-tax net operating income | $1,024 |
| Securities gains (losses) | $306 |
| Applicable income taxes | $269 |
| Income before extraordinary items | $1,061 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $1,004 |
| Net charge-offs | $57 |
| Cash dividends | $1,061 |
| Sale, conversion, retirement of capital stock, net | $289 |
| Net operating income | $600 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.39% |
| Cost of funding earning assets | 0.70% |
| Net interest margin | 3.69% |
| Noninterest income to earning assets | 0.41% |
| Noninterest expense to earning assets | 2.77% |
| Net operating income to assets | 0.77% |
| Return on assets (ROA) | 0.95% |
| Pretax return on assets | 1.20% |
| Return on equity (ROE) | 7.19% |
| Retained earnings to average equity (YTD only) | 2.89% |
| Net charge-offs to loans | 0.60% |
| Credit loss provision to net charge-offs | 107.27% |
| Efficiency ratio | 4.62% |
| Assets per employee | $67,715 |
| Cash dividends to net income (YTD only) | 3.52% |
| Condition Ratios (%) | |
| Loss allowance to loans | 59.76% |
| Loss allowance to noncurrent loans | 0.77% |
| Noncurrent assets plus other real estate owned to assets | 95.76% |
| Noncurrent loans to loans | 0.72% |
| Net loans and leases to deposits | 0.80% |
| Net loans and leases to core deposits | 53.82% |
| Equity capital to assets | 65.29% |
| Core capital (leverage) ratio | 13.22% |
| Tier 1 risk-based capital ratio | 12.94% |
| Total risk-based capital ratio | 30.50% |
| Memoranda | |
| Average assets | $31 |
| Average earning assets | $106,203 |
| Average equity | $13,973 |
| Average loans | $100,943 |
| 2 Kentucky Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1765 | The Salyersville National Bank | 200 E Maple Street, Salyersville, KY 41465 | October 10, 1902 | Full Service Brick and Mortar |  |
| 1 | 193995 | Route 114 Branch | Route 114, Salyersville, KY 41465 | April 06, 1977 | 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.