Liberty Bank & Trust Company in Mayfield, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 10, 1995

Liberty Bank & Trust Company in Mayfield, Kentucky (KY)
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Liberty Bank & Trust Company - Overview

General
FDIC Certificate #: 17560
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
Federal Reserve ID: 448246
Date Established: March 01, 1956
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 9955
FDIC's unique #: 11534
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: March 01, 1956
Last Structure Change Effective Date: November 10, 1995
Last Structure Change Process Date: December 27, 1995
Last Data Update: December 27, 1995
Data Source Date: April 05, 2012
Location
Address: Highway 121, South, Mayfield, KY 42066
County: Graves
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424)
Core Based Statistical Area (CBSA): Mayfield, KY (#32460)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $154.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$70Total assets
$144,217Cash and due from depository institutions
$7,061Interest-bearing balances
$33Securities
$51,893Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$80,577Loan loss allowance
$1,008Trading account assets
$0Bank premises and fixed assets
$2,818Other real estate owned
$0Goodwill and other intangibles
$1,868Life insurance assets
$0All other assets
$0Total liabilities and capital
$144,217Total liabilities
$132,740Total deposits
$120,895Interest-bearing deposits
$108,012Deposits held in domestic offices
120895.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$6,910Subordinated debt
$0All other liabilities
$935Total equity capital
$935Total bank equity capital
$11,477Perpetual preferred stock
$0Common stock
$1,000Surplus
$3,000Undivided profits
Memoranda
$7,477Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$69Income earned, not collected on loans
$522Earning assets
$132,503Long-term assets (5+ years)
$42,521Average Assets, year-to-date
$142,357Average Assets, quarterly
$142,460Volatile liabilities
$9,450Insider loans
$913FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,107Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$13,153Total risk weighted assets
$90,521Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$9,750Total interest expense
$4,540Net interest income
$5,210Provision for loan and lease losses
$120Total noninterest income
$443Fiduciary activities
$15Service charges on deposit accounts
$296Trading account gains & fees
$0Additional noninterest income
$132Total noninterest expense
$3,687Salaries and employee benefits
$1,874Premises and equipment expense
$494Additional noninterest expense
$1,319Pre-tax net operating income
$1,846Securities gains (losses)
$56Applicable income taxes
$487Income before extraordinary items
$1,415Extraordinary gains - net
$0Net income attributable to bank
$1,415Net charge-offs
$9Cash dividends
$1,451Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.39%Cost of funding earning assets
3.44%Net interest margin
3.95%Noninterest income to earning assets
0.34%Noninterest expense to earning assets
2.80%Net operating income to assets
0.96%Return on assets (ROA)
0.99%Pretax return on assets
1.34%Return on equity (ROE)
10.90%Retained earnings to average equity (YTD only)
-0.28%Net charge-offs to loans
0.01%Credit loss provision to net charge-offs
1333.33%Efficiency ratio
65,222Assets per employee
2.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
102.54%Loss allowance to loans
1.24%Loss allowance to noncurrent loans
1460.87%Noncurrent assets plus other real estate owned to assets
0.05%Noncurrent loans to loans
0.08%Net loans and leases to deposits
66.65%Net loans and leases to core deposits
69.80%Equity capital to assets
7.96%Core capital (leverage) ratio
9.28%Tier 1 risk-based capital ratio
14.53%Total risk-based capital ratio
Memoranda
$16Average assets
$142,357Average earning assets
$12,982Average equity
$131,847Average loans

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