American Bank & Trust Company, Inc. in Bowling Green, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Bank & Trust Company, Inc. - Overview

  • General
  • FDIC Certificate #: 35568
    Status: Active
    Federal Reserve ID: 2919898
    Bank Holding Company (Regulatory Top Holder): Ambanc Holding Company, Inc. (RSSDID: 3011829, Location: Bowling Green, KY)
    Date Established: July 05, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 81679
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 05, 2000
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1302 Scottsville Road, Bowling Green, KY 42103
    County: Warren
    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
    Core Based Statistical Area (CBSA): Bowling Green, KY (#14540)
    CBSA Metro Statistical Area: Bowling Green, KY (#14540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $239.8 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $215.2 mil
    Return on assets (ROA): 1.50% ($3.6 mil)
    Quarterly return on assets: 1.84% ($4.4 mil)
    Return on Equity (ROE): 16.96% ($3.7 mil)
    Quarterly return on equity: 20.20% ($4.4 mil)
    Net income: $3.5 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.50% ($3,597.2 mil)
    Quarterly Pretax return on assets: 1.84% ($4,412.6 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, 2011)

  • Dollar figures in thousands
  • 61Total employees (full-time equivalent)
  • $239,814Total assets
  • $9,012Cash and due from depository institutions
  • $3,497Interest-bearing balances
  • $25,959Securities
  • $6,794Federal funds sold & reverse repurchase agreements
  • $191,036Net loans & leases
  • $2,716Loan loss allowance
  • $0Trading account assets
  • $3,751Bank premises and fixed assets
  • $898Other real estate owned
  • $0Goodwill and other intangibles
  • $239,814Life insurance assets
  • $2,364All other assets
  • $217,895Total liabilities and capital
  • $215,161Total liabilities
  • $190,293Total deposits
  • $215,161Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $734Subordinated debt
  • $21,919All other liabilities
  • $21,919Total equity capital
  • $21,919Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $10,583Surplus
  • $10,136Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $753Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $780Income earned, not collected on loans
  • $0Earning assets
  • $741Long-term assets (5+ years)
  • $227,286Average Assets, year-to-date
  • $34,885Average Assets, quarterly
  • $235,680Volatile liabilities
  • $237,834Insider loans
  • $171,060FHLB advances
  • $236,768Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,489Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,073Restructured Loans and leases
  • $3,667Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,540Total interest income
  • $3,604Total interest expense
  • $8,936Net interest income
  • $414Provision for loan and lease losses
  • $1,388Total noninterest income
  • $0Fiduciary activities
  • $443Service charges on deposit accounts
  • $0Trading account gains & fees
  • $945Additional noninterest income
  • $6,532Total noninterest expense
  • $3,596Salaries and employee benefits
  • $513Premises and equipment expense
  • $2,423Additional noninterest expense
  • $3,378Pre-tax net operating income
  • $163Securities gains (losses)
  • $0Applicable income taxes
  • $3,541Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,541Net income attributable to bank
  • $0Net charge-offs
  • $3,541Cash dividends
  • $469Sale, conversion, retirement of capital stock, net
  • $1,818Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.61%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 4.00%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 16.96%Return on equity (ROE)
  • 8.25%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 88.27%Credit loss provision to net charge-offs
  • 8.09%Efficiency ratio
  • 63,270Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.34%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 348.21%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 88.79%Net loans and leases to core deposits
  • 96.40%Equity capital to assets
  • 9.14%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 12.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $235,680Average earning assets
  • $20,879Average equity
  • $223,456Average loans

List of branches

  • 4 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    081679American Bank & Trust Company, Inc.1302 Scottsville Road, Bowling Green, KY 42103July 05, 2000Full Service Brick and Mortar
    1442643Nashville Road Branch3011 Nashville Road, Bowling Green, KY 42102September 15, 2004Full Service Brick and Mortar
    2442644Louisville Road Branch3411 Louisville Road, Bowling Green, KY 42102October 22, 2004Full Service Brick and Mortar
    3478293Fairview Ave Branch1115 Fairview Avenue, Bowling Green, KY 42102Febuary 01, 2008Full Service Brick and Mortar

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