First National Bank and Trust Company in city_name, state_name

First National Bank and Trust Company in Georgetown, Kentucky (KY)
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First National Bank and Trust Company - Overview

General
FDIC Certificate #: 2693
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Whitaker Bank (#32912)
Federal Reserve ID: 697110
Date Established: January 01, 1883
WWW: http://www.whitakerbank.com
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Interstate: No)
OTS Docket #: 12756
FDIC's unique #: 1739
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 22, 2004
Last Structure Change Process Date: June 15, 2004
Last Data Update: June 15, 2004
Data Source Date: April 05, 2012
Location
Address: Main And Broadway, Georgetown, KY 40324
County: Scott
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
Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
Financial Summary
Total assets: $152.9 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, 2003)

Dollar figures in thousands
39Total employees (full-time equivalent)
$155,327Total assets
$4,681Cash and due from depository institutions
$0Interest-bearing balances
$62,850Securities
$6,570Federal funds sold & reverse repurchase agreements
$75,908Net loans & leases
$1,571Loan loss allowance
$0Trading account assets
$2,587Bank premises and fixed assets
$557Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,174All other assets
$155,327Total liabilities and capital
$144,095Total liabilities
$133,958Total deposits
$115,748Interest-bearing deposits
$133,958Deposits held in domestic offices
0.00%% insured (estimated)
$2,687Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,624Other borrowed funds
$0Subordinated debt
$826All other liabilities
$11,232Total equity capital
$11,232Total bank equity capital
$11,232Perpetual preferred stock
$0Common stock
$1,000Surplus
$1,000Undivided profits
Memoranda
$9,232Noncurrent loans and leases
$13,170Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,177Earning assets
$0Long-term assets (5+ years)
$1,171Average Assets, year-to-date
$145,328Average Assets, quarterly
$52,192Volatile liabilities
$149,926Insider loans
$152,650FHLB advances
$32,165Loans and leases held for sale
$684Unused loan commitments
$6,624Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,170Total unused commitments
$0Restructured Loans and leases
$1,133Derivatives

Income and Expense (December 31, 2003)

Dollar figures in thousands
$7,798Total interest income
$3,274Total interest expense
$4,524Net interest income
$101Provision for loan and lease losses
$702Total noninterest income
$15Fiduciary activities
$590Service charges on deposit accounts
$0Trading account gains & fees
$97Additional noninterest income
$3,522Total noninterest expense
$1,547Salaries and employee benefits
$562Premises and equipment expense
$1,413Additional noninterest expense
$1,603Pre-tax net operating income
$8Securities gains (losses)
$324Applicable income taxes
$1,287Income before extraordinary items
-$61Extraordinary gains - net
$1,226Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$186Sale, conversion, retirement of capital stock, net
$1,175Net operating income

Performance and Condition Ratios (December 31, 2003)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.53%Yield on earning assets
2.32%Cost of funding earning assets
3.21%Net interest margin
0.50%Noninterest income to earning assets
2.50%Noninterest expense to earning assets
0.85%Net operating income to assets
0.82%Return on assets (ROA)
1.03%Pretax return on assets
10.63%Return on equity (ROE)
0.44%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
54.30%Credit loss provision to net charge-offs
9.16%Efficiency ratio
67,394Assets per employee
3.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.84%Loss allowance to loans
2.03%Loss allowance to noncurrent loans
133.47%Noncurrent assets plus other real estate owned to assets
1.12%Noncurrent loans to loans
1.52%Net loans and leases to deposits
56.67%Net loans and leases to core deposits
72.65%Equity capital to assets
7.23%Core capital (leverage) ratio
6.63%Tier 1 risk-based capital ratio
11.36%Total risk-based capital ratio
Memoranda
$13Average assets
$149,926Average earning assets
$11,537Average equity
$140,967Average loans

Total Fiduciary and Related Assets (December 31, 2003)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$787Managed Assets
1Number of Accounts
$521Personal trust and agency accounts
$521Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
9Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$266Other retirement accounts
$266Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

First National Bank and Trust Company in Georgetown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

Total Fiduciary and Related Assets (December 31, 2003)

Comment about this bank, ask questions, or add new information about it:

First National Bank and Trust Company in Georgetown, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust Company - Overview

Assets and Liabilities (December 31, 2003)

Income and Expense (December 31, 2003)

Performance and Condition Ratios (December 31, 2003)

Total Fiduciary and Related Assets (December 31, 2003)

Comment about this bank, ask questions, or add new information about it:

First National Bank and Trust Company in Georgetown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches