Farmers Liberty Bank in Augusta, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 1994

  • Farmers Liberty Bank in Augusta, Kentucky (KY)
  • Show street view No street view available for this location

Farmers Liberty Bank - Overview

  • General
  • FDIC Certificate #: 17860
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Trans Financial Bank, National Association (#2732)
    Federal Reserve ID: 948214
    Date Established: January 01, 1894
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 11801
    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: March 31, 1994
    Last Structure Change Process Date: May 06, 1994
    Last Data Update: October 11, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 Second Street, Augusta, KY 41002
    County: Bracken
    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
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $25.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $10Total assets
  • $25,429Cash and due from depository institutions
  • $492Interest-bearing balances
  • $0Securities
  • $6,139Federal funds sold & reverse repurchase agreements
  • $2,875Net loans & leases
  • $15,322Loan loss allowance
  • $216Trading account assets
  • $0Bank premises and fixed assets
  • $77Other real estate owned
  • $50Goodwill and other intangibles
  • $474Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $25,429Total liabilities
  • $23,009Total deposits
  • $22,893Interest-bearing deposits
  • $19,533Deposits held in domestic offices
  • 22893.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $116Total equity capital
  • $116Total bank equity capital
  • $2,420Perpetual preferred stock
  • $0Common stock
  • $170Surplus
  • $1,000Undivided profits
  • Memoranda
  • $1,250Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $89Income earned, not collected on loans
  • $253Earning assets
  • $24,336Long-term assets (5+ years)
  • $951Average Assets, year-to-date
  • $24,841Average Assets, quarterly
  • $24,714Volatile liabilities
  • $1,361Insider loans
  • $12FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,420Total risk weighted assets
  • $14,326Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,979Total interest expense
  • $692Net interest income
  • $1,287Provision for loan and lease losses
  • $16Total noninterest income
  • $105Fiduciary activities
  • $0Service charges on deposit accounts
  • $94Trading account gains & fees
  • $0Additional noninterest income
  • $11Total noninterest expense
  • $737Salaries and employee benefits
  • $261Premises and equipment expense
  • $37Additional noninterest expense
  • $439Pre-tax net operating income
  • $639Securities gains (losses)
  • $0Applicable income taxes
  • $191Income before extraordinary items
  • $448Extraordinary gains - net
  • $79Net income attributable to bank
  • $527Net charge-offs
  • $27Cash dividends
  • $315Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.32%Cost of funding earning assets
  • 2.91%Net interest margin
  • 5.41%Noninterest income to earning assets
  • 0.44%Noninterest expense to earning assets
  • 3.10%Net operating income to assets
  • 1.80%Return on assets (ROA)
  • 2.12%Pretax return on assets
  • 2.89%Return on equity (ROE)
  • 22.32%Retained earnings to average equity (YTD only)
  • 8.98%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 59.26%Efficiency ratio
  • 52,945Assets per employee
  • 2.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.77%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 242.70%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 66.93%Net loans and leases to core deposits
  • 71.16%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 9.85%Tier 1 risk-based capital ratio
  • 16.89%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $24,841Average earning assets
  • $2,362Average equity
  • $23,776Average loans

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