Bank of Danville and Trust Company in Danville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 29, 1996

Bank of Danville and Trust Company in Danville, Kentucky (KY)
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Bank of Danville and Trust Company - Overview

General
FDIC Certificate #: 282
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National City Bank of Kentucky (#2756)
Federal Reserve ID: 635448
Date Established: August 12, 1922
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
OTS Docket #: 10509
FDIC's unique #: 227
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 29, 1996
Last Structure Change Process Date: March 08, 1996
Last Data Update: March 08, 1996
Data Source Date: April 05, 2012
Location
Address: 121 South Fourth Street, Danville, KY 40422
County: Boyle
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
Core Based Statistical Area (CBSA): Danville, KY (#19220)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $103.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$44Total assets
$103,307Cash and due from depository institutions
$4,467Interest-bearing balances
$159Securities
$1,094Federal funds sold & reverse repurchase agreements
$10,292Net loans & leases
$78,225Loan loss allowance
$586Trading account assets
$0Bank premises and fixed assets
$2,452Other real estate owned
$0Goodwill and other intangibles
$928Life insurance assets
$5,849All other assets
$0Total liabilities and capital
$103,307Total liabilities
$89,607Total deposits
$77,968Interest-bearing deposits
$66,595Deposits held in domestic offices
77968.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$7,899Trading liabilities
$0Other borrowed funds
$3,260Subordinated debt
$0All other liabilities
$480Total equity capital
$480Total bank equity capital
$13,700Perpetual preferred stock
$0Common stock
$1,000Surplus
$12,383Undivided profits
Memoranda
$317Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,018Income earned, not collected on loans
$738Earning assets
$89,770Long-term assets (5+ years)
$3,617Average Assets, year-to-date
$100,056Average Assets, quarterly
$103,556Volatile liabilities
$14,999Insider loans
$400FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$7,799Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,833Total risk weighted assets
$71,488Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,048Total interest expense
$2,163Net interest income
$1,885Provision for loan and lease losses
$0Total noninterest income
$448Fiduciary activities
$0Service charges on deposit accounts
$233Trading account gains & fees
$0Additional noninterest income
$215Total noninterest expense
$1,792Salaries and employee benefits
$802Premises and equipment expense
$223Additional noninterest expense
$767Pre-tax net operating income
$541Securities gains (losses)
$0Applicable income taxes
$242Income before extraordinary items
$299Extraordinary gains - net
$0Net income attributable to bank
$299Net charge-offs
$187Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
4.49%Cost of funding earning assets
2.40%Net interest margin
2.09%Noninterest income to earning assets
0.50%Noninterest expense to earning assets
1.99%Net operating income to assets
0.30%Return on assets (ROA)
0.30%Pretax return on assets
0.54%Return on equity (ROE)
3.05%Retained earnings to average equity (YTD only)
3.05%Net charge-offs to loans
0.24%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,153Assets per employee
2.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.74%Loss allowance to noncurrent loans
57.56%Noncurrent assets plus other real estate owned to assets
0.99%Noncurrent loans to loans
1.29%Net loans and leases to deposits
100.33%Net loans and leases to core deposits
110.38%Equity capital to assets
13.26%Core capital (leverage) ratio
7.97%Tier 1 risk-based capital ratio
10.96%Total risk-based capital ratio
Memoranda
$12Average assets
$100,056Average earning assets
$9,801Average equity
$90,124Average loans

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