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

This bank is inactive as of April 01, 2002

  • Commonwealth Bank and Trust Company in Louisville, Kentucky (KY)
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Commonwealth Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 33243
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commonwealth Bank and Trust Company (#10146)
    Federal Reserve ID: 1837829
    Date Established: January 04, 1991
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 10173
    FDIC's unique #: 46712
    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 04, 1991
    Last Structure Change Effective Date: April 01, 2002
    Last Structure Change Process Date: April 24, 2002
    Last Data Update: April 24, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 12906 Shelbyville Road, Louisville, KY 40243
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • Financial Summary
  • Total assets: $293.3 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, 2001)

  • Dollar figures in thousands
  • 130Total employees (full-time equivalent)
  • $305,940Total assets
  • $10,670Cash and due from depository institutions
  • $206Interest-bearing balances
  • $37,353Securities
  • $4,725Federal funds sold & reverse repurchase agreements
  • $241,347Net loans & leases
  • $2,327Loan loss allowance
  • $0Trading account assets
  • $6,746Bank premises and fixed assets
  • $2Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,097All other assets
  • $305,940Total liabilities and capital
  • $282,918Total liabilities
  • $215,928Total deposits
  • $169,356Interest-bearing deposits
  • $215,928Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $35,177Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $29,057Other borrowed funds
  • $0Subordinated debt
  • $2,756All other liabilities
  • $23,022Total equity capital
  • $23,022Total bank equity capital
  • $23,022Perpetual preferred stock
  • $0Common stock
  • $1,792Surplus
  • $12,484Undivided profits
  • Memoranda
  • $8,746Noncurrent loans and leases
  • $56,405Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,473Earning assets
  • $0Long-term assets (5+ years)
  • $1,593Average Assets, year-to-date
  • $283,631Average Assets, quarterly
  • $57,333Volatile liabilities
  • $281,890Insider loans
  • $290,586FHLB advances
  • $74,929Loans and leases held for sale
  • $164Unused loan commitments
  • $29,057Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $25,685Total risk weighted assets
  • $56,405Total unused commitments
  • $0Restructured Loans and leases
  • $2,327Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $19,340Total interest income
  • $9,775Total interest expense
  • $9,565Net interest income
  • $750Provision for loan and lease losses
  • $6,134Total noninterest income
  • $1,501Fiduciary activities
  • $516Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,117Additional noninterest income
  • $11,082Total noninterest expense
  • $6,965Salaries and employee benefits
  • $1,494Premises and equipment expense
  • $2,623Additional noninterest expense
  • $3,867Pre-tax net operating income
  • $600Securities gains (losses)
  • $1,497Applicable income taxes
  • $2,970Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,970Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $651Sale, conversion, retirement of capital stock, net
  • $1,050Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.35%Yield on earning assets
  • 3.71%Cost of funding earning assets
  • 3.63%Net interest margin
  • 2.33%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 13.53%Return on equity (ROE)
  • 8.75%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 115.21%Credit loss provision to net charge-offs
  • 7.09%Efficiency ratio
  • 70,590Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.35%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 157.98%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 111.77%Net loans and leases to core deposits
  • 128.26%Equity capital to assets
  • 7.53%Core capital (leverage) ratio
  • 7.81%Tier 1 risk-based capital ratio
  • 9.49%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $281,890Average earning assets
  • $21,947Average equity
  • $263,137Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $448,998Managed Assets
  • 1Number of Accounts
  • $236,421Personal trust and agency accounts
  • $145,712Employee benefit-defined contribution accounts
  • $1,311Employee benefit-defined benefit accounts
  • $20,797Other retirement accounts
  • $15,395Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $53,206Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 391Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $212,577Other retirement accounts
  • $176,706Corporate trust and agency accounts
  • $3,199Other fiduciary accounts
  • $9,341Fiduciary accounts held in foreign offices

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