United Southern Bank in Hopkinsville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


United Southern Bank - Overview

  • General
  • FDIC Certificate #: 9309
    Status: Active
    Federal Reserve ID: 110945
    Bank Holding Company (Regulatory Top Holder): Todd Bancshares, Inc. (RSSDID: 1140574, Location: Hopkinsville, KY)
    Date Established: June 22, 1922
    WWW: http://www.usbky.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 12011
    FDIC's unique #: 5964
    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: No
    Asset Concentration Hierarchy: Commercial 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: 1813 East Ninth Street, Hopkinsville, KY 42240
    County: Christian
    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
    Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
    Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
    CBSA Metro Statistical Area: Clarksville, TN-KY (#17300)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $252.2 mil
    Equity capital: $23.6 mil
    Deposits held in domestic offices: $221.3 mil
    Return on assets (ROA): 0.53% ($1.3 mil)
    Quarterly return on assets: 0.54% ($1.4 mil)
    Return on Equity (ROE): 5.78% ($1.4 mil)
    Quarterly return on equity: 5.75% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.68% ($1,714.9 mil)
    Quarterly Pretax return on assets: 0.54% ($1,361.8 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
  • 75Total employees (full-time equivalent)
  • $252,185Total assets
  • $6,761Cash and due from depository institutions
  • $103Interest-bearing balances
  • $44,039Securities
  • $123Federal funds sold & reverse repurchase agreements
  • $186,787Net loans & leases
  • $3,081Loan loss allowance
  • $0Trading account assets
  • $8,000Bank premises and fixed assets
  • $2,949Other real estate owned
  • $0Goodwill and other intangibles
  • $252,184Life insurance assets
  • $3,526All other assets
  • $228,557Total liabilities and capital
  • $221,268Total liabilities
  • $190,815Total deposits
  • $221,268Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 1220.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,500Trading liabilities
  • $0Other borrowed funds
  • $569Subordinated debt
  • $23,627All other liabilities
  • $23,627Total equity capital
  • $23,627Total bank equity capital
  • $0Perpetual preferred stock
  • $126Common stock
  • $11,063Surplus
  • $12,438Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,475Income earned, not collected on loans
  • $0Earning assets
  • $2,041Long-term assets (5+ years)
  • $231,052Average Assets, year-to-date
  • $143,054Average Assets, quarterly
  • $249,047Volatile liabilities
  • $250,191Insider loans
  • $184,061FHLB advances
  • $247,505Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,521Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,127Restructured Loans and leases
  • $2,583Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,060Total interest income
  • $2,581Total interest expense
  • $8,479Net interest income
  • $550Provision for loan and lease losses
  • $956Total noninterest income
  • $0Fiduciary activities
  • $664Service charges on deposit accounts
  • $0Trading account gains & fees
  • $292Additional noninterest income
  • $7,220Total noninterest expense
  • $3,274Salaries and employee benefits
  • $1,435Premises and equipment expense
  • $2,511Additional noninterest expense
  • $1,665Pre-tax net operating income
  • $30Securities gains (losses)
  • $384Applicable income taxes
  • $1,311Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,311Net income attributable to bank
  • $0Net charge-offs
  • $1,311Cash dividends
  • $57Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 5.78%Return on equity (ROE)
  • 5.34%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 964.91%Credit loss provision to net charge-offs
  • 38.86%Efficiency ratio
  • 76,524Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.63%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 208.88%Noncurrent assets plus other real estate owned to assets
  • 1.75%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 84.42%Net loans and leases to core deposits
  • 88.49%Equity capital to assets
  • 9.37%Core capital (leverage) ratio
  • 9.10%Tier 1 risk-based capital ratio
  • 12.24%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $249,047Average earning assets
  • $22,667Average equity
  • $229,924Average loans

List of branches

  • 8 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05964United Southern Bank1813 East Ninth Street, Hopkinsville, KY 42240June 22, 1922Full Service Brick and Mortar
    1219869Elkton Branch808 South Main Street, Elkton, KY 42220Febuary 20, 1967Full Service Brick and Mortar
    2219870Clifty BranchHighway 181, Clifty, KY 42216October 27, 1983Full Service Brick and Mortar
    5219873Trenton Branch112 South Main Street, Trenton, KY 42286June 30, 1922Full Service Brick and Mortar
    6359468Clinic Drive Branch101 Clinic Drive, Hopkinsville, KY 42241January 16, 2001Full Service Brick and Mortar
    7442209Crofton Branch111 North Madisonville St, Crofton, KY 42217May 09, 2005Full Service Brick and Mortar
    8444958Canton Street Branch4405 Canton Street, Hopkinsville, KY 42240October 03, 2005Full Service Brick and Mortar
    9481406Madisonville Branch2215 North Main Street, Madisonville, KY 42431September 02, 2008Full Service Brick and Mortar

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