Commercial Bank
West Liberty, KY — Non-member Bank
Active
Vitals
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Total Assets144.8M 3.8 %
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Total Deposits107.2M 0.1 %
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Total Net Loans68.3M 10.8 %
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Net Income1.1M 4.7 %
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Book Value19.8M -0.5 %
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Book Value x239.7M -0.5 %
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Book Value x359.5M -0.5 %
Balance Sheet Highlights
| Financial Highlights | Commercial Bank | All Insured Commercial Banks in Kentucky |
| Balance Sheet $(000) | ||
| Total Assets | 144,787 | 275,102 |
| Total Net Loans | 68,347 | 177,820 |
| Total Deposits | 107,221 | 227,063 |
| Total Equity | 19,835 | 30,287 |
| Profitability | ||
| Net Income | 1,075 | 2,592 |
| Return on Average Assets | .754 | .944 |
| Return on Average Equity | 5.191 | 8.074 |
| Net Interest Margin | 4.397 | 3.847 |
| Efficiency Ratio | 82.572 | 70.925 |
| Noninterest Income/Revenue | 18.006 | 17.219 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 63.744 | 76.952 |
| Securities/Assets | .323 | .219 |
| Total Equity/Total Assets | .137 | .11 |
| Tangible Equity/Tangible Assets | .114 | .107 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 16,772 | 29,354 |
| Tier 1 Capital | 16,772 | 29,354 |
| Tier 2 Capital | 853 | 2,092 |
| Total Capital | 17,625 | 31,454 |
| Total Risk Weighted Assets | 85,645 | 190,479 |
| Leverage Ratio | 11.83 | 11.285 |
| Common Equity Tier 1 Capital Ratio | 19.58 | 17.115 |
| Tier 1 Capital Ratio | 19.58 | 17.115 |
| Total Capital Ratio | 20.58 | 18.174 |
Timeline for Commercial Bank
Commercial Bancshares, Inc.
Commercial Bancshares, Inc. became a new parent organization for Commercial Bank.
View Profile Jul 01 1997
Community Trust Bancorp, Inc.
Community Trust Bancorp, Inc. became a new parent organization for Commercial Bank.
View Profile Dec 30 1987
Commercial Bancshares Inc.
Commercial Bancshares Inc. became a new parent organization for Commercial Bank.
View Profile Sep 07 1982
Commercial Bank
Commercial Bank was established 114 years ago and is currently headquartered in West Liberty, KY.
Jan 01 1910| Relationships | Role | Relationship Start | Relationship End |
| Commercial Bancshares, Inc. | Parent | 7/1/1997 | |
| Community Trust Bancorp, Inc. | Parent | 12/30/1987 | 6/30/1997 |
| Commercial Bancshares Inc. | Parent | 9/7/1982 | 12/29/1987 |
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