Liberty National Bank and Trust Company of Hardin County in Elizabethtown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 21, 1994

  • Liberty National Bank and Trust Company of Hardin County in Elizabethtown, Kentucky (KY)
  • Show street view No street view available for this location

Liberty National Bank and Trust Company of Hardin County - Overview

  • General
  • FDIC Certificate #: 23801
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Liberty National Bank and Trust Company of Central Kentucky (#22179)
    Federal Reserve ID: 725040
    Date Established: May 08, 1982
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16638
    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: May 08, 1982
    Last Structure Change Effective Date: Febuary 21, 1994
    Last Structure Change Process Date: March 14, 1994
    Last Data Update: March 14, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1200 North Dixie Avenue, Elizabethtown, KY 42701
    County: Hardin
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Elizabethtown, KY (#21060)
    CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
  • Financial Summary
  • Total assets: $86.9 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)
  • $30Total assets
  • $86,915Cash and due from depository institutions
  • $9,030Interest-bearing balances
  • $0Securities
  • $3,157Federal funds sold & reverse repurchase agreements
  • $2,725Net loans & leases
  • $69,147Loan loss allowance
  • $1,054Trading account assets
  • $0Bank premises and fixed assets
  • $1,937Other real estate owned
  • $18Goodwill and other intangibles
  • $901Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $86,915Total liabilities
  • $80,953Total deposits
  • $80,499Interest-bearing deposits
  • $66,681Deposits held in domestic offices
  • 80499.00%% insured (estimated)
  • $78Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $454Total equity capital
  • $454Total bank equity capital
  • $5,962Perpetual preferred stock
  • $0Common stock
  • $826Surplus
  • $1,861Undivided profits
  • Memoranda
  • $3,275Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $208Income earned, not collected on loans
  • $454Earning assets
  • $75,029Long-term assets (5+ years)
  • $19,983Average Assets, year-to-date
  • $79,239Average Assets, quarterly
  • $83,037Volatile liabilities
  • $12,622Insider loans
  • $3,051FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,104Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,962Total risk weighted assets
  • $62,041Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,072Total interest expense
  • $2,595Net interest income
  • $3,477Provision for loan and lease losses
  • $355Total noninterest income
  • $458Fiduciary activities
  • $0Service charges on deposit accounts
  • $285Trading account gains & fees
  • $0Additional noninterest income
  • $173Total noninterest expense
  • $1,730Salaries and employee benefits
  • $605Premises and equipment expense
  • $206Additional noninterest expense
  • $919Pre-tax net operating income
  • $1,850Securities gains (losses)
  • $87Applicable income taxes
  • $624Income before extraordinary items
  • $1,313Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,313Net charge-offs
  • $252Cash dividends
  • $500Sale, 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
  • 8.31%Cost of funding earning assets
  • 3.55%Net interest margin
  • 4.76%Noninterest income to earning assets
  • 0.63%Noninterest expense to earning assets
  • 2.37%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 2.44%Return on equity (ROE)
  • 23.41%Retained earnings to average equity (YTD only)
  • 14.50%Net charge-offs to loans
  • 0.38%Credit loss provision to net charge-offs
  • 140.87%Efficiency ratio
  • 43,964Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.08%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 506.73%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 85.90%Net loans and leases to core deposits
  • 101.87%Equity capital to assets
  • 6.86%Core capital (leverage) ratio
  • 7.45%Tier 1 risk-based capital ratio
  • 9.61%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $79,239Average earning assets
  • $5,608Average equity
  • $73,069Average loans

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Liberty National Bank and Trust Company of Hardin County.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents