Owingsville Banking Company, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

The Owingsville Banking Company has a long and interesting history, but perhaps as interesting as the bank itself, is the building in which it resides. Since its charter in May of 1893, it has been housed in the "Owings House", a Federal-style dwelling constructed from 1811 to 1814.

The Owingsville Banking Company has remained in the Owings House since its first day of business in 1893, gradually coming to occupy the entire structure, as well as adjoining buildings. It has also remained an independent bank. This independence promotes banks idea of one-on-one personal service, the type of service Owingsville Banking Company have been providing for over 100 years.

Owingsville Banking Company offers many services designed to fit the needs of the individual customer. Owingsville Banking Company has recently opened its third-full service branch location. It is located at 23 Main Street in Salt Lick, KY.