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

This bank is inactive as of Febuary 29, 1996

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

  • General
  • FDIC Certificate #: 388
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 619813
    Date Established: January 01, 1905
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 9538
    FDIC's unique #: 298
    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: Febuary 29, 1996
    Last Structure Change Process Date: March 08, 1996
    Last Data Update: March 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 239 West Main Street, Richmond, KY 40475
    County: Madison
    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): Richmond-Berea, KY (#40080)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $108.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $52Total assets
  • $108,337Cash and due from depository institutions
  • $5,112Interest-bearing balances
  • $6Securities
  • $1,374Federal funds sold & reverse repurchase agreements
  • $20,815Net loans & leases
  • $70,753Loan loss allowance
  • $1,330Trading account assets
  • $0Bank premises and fixed assets
  • $3,072Other real estate owned
  • $141Goodwill and other intangibles
  • $1,104Life insurance assets
  • $5,966All other assets
  • $0Total liabilities and capital
  • $108,337Total liabilities
  • $94,502Total deposits
  • $85,951Interest-bearing deposits
  • $73,189Deposits held in domestic offices
  • 85951.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $6,740Trading liabilities
  • $0Other borrowed funds
  • $1,000Subordinated debt
  • $0All other liabilities
  • $811Total equity capital
  • $811Total bank equity capital
  • $13,835Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $12,702Undivided profits
  • Memoranda
  • $133Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $392Income earned, not collected on loans
  • $886Earning assets
  • $92,948Long-term assets (5+ years)
  • $6,959Average Assets, year-to-date
  • $109,005Average Assets, quarterly
  • $108,679Volatile liabilities
  • $16,494Insider loans
  • $1,852FHLB advances
  • $0Loans and leases held for sale
  • $1,251Unused loan commitments
  • $9,042Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,869Total risk weighted assets
  • $71,846Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,146Total interest expense
  • $2,130Net interest income
  • $2,016Provision for loan and lease losses
  • $0Total noninterest income
  • $322Fiduciary activities
  • $0Service charges on deposit accounts
  • $203Trading account gains & fees
  • $0Additional noninterest income
  • $119Total noninterest expense
  • $2,033Salaries and employee benefits
  • $763Premises and equipment expense
  • $292Additional noninterest expense
  • $978Pre-tax net operating income
  • $305Securities gains (losses)
  • $0Applicable income taxes
  • $172Income before extraordinary items
  • $133Extraordinary gains - net
  • $0Net income attributable to bank
  • $133Net charge-offs
  • $136Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.26%Cost of funding earning assets
  • 2.19%Net interest margin
  • 2.07%Noninterest income to earning assets
  • 0.33%Noninterest expense to earning assets
  • 2.09%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.12%Pretax return on assets
  • 0.28%Return on equity (ROE)
  • 1.28%Retained earnings to average equity (YTD only)
  • 1.28%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 78,144Assets per employee
  • 2.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 339.29%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 82.32%Net loans and leases to core deposits
  • 92.86%Equity capital to assets
  • 12.77%Core capital (leverage) ratio
  • 7.56%Tier 1 risk-based capital ratio
  • 10.95%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $109,005Average earning assets
  • $10,423Average equity
  • $97,273Average loans

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