United Kentucky Bank of Pendleton County, Inc. in Falmouth, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 28, 2011

United Kentucky Bank of Pendleton County, Inc. - Overview

  • General
  • FDIC Certificate #: 33707
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Bank of Kentucky, Inc. (#33022)
    Federal Reserve ID: 1996762
    Date Established: October 26, 1992
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 12683
    FDIC's unique #: 47816
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 26, 1992
    Last Structure Change Effective Date: October 28, 2011
    Last Structure Change Process Date: November 10, 2011
    Last Data Update: November 10, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 515 Barkley Street, Falmouth, KY 41040
    County: Pendleton
    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
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $25.1 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, 2010)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $29,626Total assets
  • $3,676Cash and due from depository institutions
  • $299Interest-bearing balances
  • $7,822Securities
  • $791Federal funds sold & reverse repurchase agreements
  • $15,819Net loans & leases
  • $395Loan loss allowance
  • $0Trading account assets
  • $513Bank premises and fixed assets
  • $250Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $755All other assets
  • $29,626Total liabilities and capital
  • $26,364Total liabilities
  • $26,280Total deposits
  • $23,205Interest-bearing deposits
  • $26,280Deposits held in domestic offices
  • 88.85%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $84All other liabilities
  • $3,262Total equity capital
  • $3,262Total bank equity capital
  • $3,262Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $1,800Undivided profits
  • Memoranda
  • $1,262Noncurrent loans and leases
  • $325Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $216Earning assets
  • $0Long-term assets (5+ years)
  • $260Average Assets, year-to-date
  • $24,731Average Assets, quarterly
  • $904Volatile liabilities
  • $29,569Insider loans
  • $29,429FHLB advances
  • $4,246Loans and leases held for sale
  • $836Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $325Total unused commitments
  • $185Restructured Loans and leases
  • $231Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $1,236Total interest income
  • $275Total interest expense
  • $961Net interest income
  • $55Provision for loan and lease losses
  • $110Total noninterest income
  • $0Fiduciary activities
  • $118Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$8Additional noninterest income
  • $892Total noninterest expense
  • $319Salaries and employee benefits
  • $94Premises and equipment expense
  • $479Additional noninterest expense
  • $124Pre-tax net operating income
  • $0Securities gains (losses)
  • $30Applicable income taxes
  • $94Income before extraordinary items
  • $0Extraordinary gains - net
  • $94Net income attributable to bank
  • $0Net charge-offs
  • $94Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 0.32%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 2.93%Return on equity (ROE)
  • 2.93%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 229.17%Credit loss provision to net charge-offs
  • 7.46%Efficiency ratio
  • 83,287Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.44%Loss allowance to noncurrent loans
  • 182.87%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 60.19%Net loans and leases to core deposits
  • 71.79%Equity capital to assets
  • 11.01%Core capital (leverage) ratio
  • 10.75%Tier 1 risk-based capital ratio
  • 17.79%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $29,569Average earning assets
  • $3,203Average equity
  • $24,452Average loans

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