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

This bank is inactive as of Febuary 29, 1996

  • The First National Bank and Trust Company in Nicholasville, Kentucky (KY)
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The First National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 2716
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 488916
    Date Established: January 01, 1871
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 9597
    FDIC's unique #: 1758
    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: 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: 307 North Main Street, Nicholasville, KY 40356
    County: Jessamine
    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: $103.3 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $51Total assets
  • $103,300Cash and due from depository institutions
  • $5,002Interest-bearing balances
  • $83Securities
  • $1,246Federal funds sold & reverse repurchase agreements
  • $12,315Net loans & leases
  • $75,941Loan loss allowance
  • $1,341Trading account assets
  • $0Bank premises and fixed assets
  • $2,027Other real estate owned
  • $0Goodwill and other intangibles
  • $1,135Life insurance assets
  • $5,634All other assets
  • $0Total liabilities and capital
  • $103,300Total liabilities
  • $89,927Total deposits
  • $86,352Interest-bearing deposits
  • $70,979Deposits held in domestic offices
  • 86352.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $2,091Trading liabilities
  • $0Other borrowed funds
  • $593Subordinated debt
  • $0All other liabilities
  • $891Total equity capital
  • $891Total bank equity capital
  • $13,373Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $11,893Undivided profits
  • Memoranda
  • $480Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,494Income earned, not collected on loans
  • $971Earning assets
  • $89,585Long-term assets (5+ years)
  • $2,550Average Assets, year-to-date
  • $100,994Average Assets, quarterly
  • $104,813Volatile liabilities
  • $13,453Insider loans
  • $59FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $9,577Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,739Total risk weighted assets
  • $76,744Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,067Total interest expense
  • $1,832Net interest income
  • $2,235Provision for loan and lease losses
  • $0Total noninterest income
  • $289Fiduciary activities
  • $0Service charges on deposit accounts
  • $254Trading account gains & fees
  • $0Additional noninterest income
  • $35Total noninterest expense
  • $1,706Salaries and employee benefits
  • $780Premises and equipment expense
  • $342Additional noninterest expense
  • $584Pre-tax net operating income
  • $818Securities gains (losses)
  • $2Applicable income taxes
  • $340Income before extraordinary items
  • $480Extraordinary gains - net
  • $0Net income attributable to bank
  • $480Net charge-offs
  • $102Cash 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
  • 4.49%Cost of funding earning assets
  • 2.02%Net interest margin
  • 2.47%Noninterest income to earning assets
  • 0.32%Noninterest expense to earning assets
  • 1.89%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 0.81%Return on equity (ROE)
  • 5.02%Retained earnings to average equity (YTD only)
  • 5.02%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 59,826Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 89.76%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 1.93%Net loans and leases to deposits
  • 87.94%Net loans and leases to core deposits
  • 101.27%Equity capital to assets
  • 12.95%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 10.08%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $100,994Average earning assets
  • $9,570Average equity
  • $90,489Average loans

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