Commonwealth Bank and Trust Company in Louisville, Kentucky (KY)

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Commonwealth Bank and Trust Company routing number info

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Commonwealth Bank and Trust Company
GeneralFDIC Certificate #: 10146
Status: Active
Federal Reserve ID: 189044
Bank Holding Company (Regulatory Top Holder): Commonwealth Bancshares, Inc. (RSSDID: 1118948, Location: Louisville, KY)
Date Established: January 01, 1887
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 17 (Domestic: 17, Interstate: No)
OTS Docket #: 9939
FDIC's unique #: 6495
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: January 01, 1934
Last Structure Change Effective Date: April 01, 2006
Last Structure Change Process Date: May 31, 2007
Last Data Update: May 31, 2007
Data Source Date: April 05, 2012
LocationAddress: 4350 Brownsboro Road, Suite 310, Louisville, KY 40207
County: Jefferson
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
Metropolitan Statistical Area (MSA): Louisville, KY-IN (#4520)
Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
History of ChangesCorrections
Change in Location
Financial SummaryTotal assets: $823.4 mil
Equity capital: $71.3 mil
Deposits held in domestic offices: $646.9 mil
Return on assets (ROA): 0.23% ($1.9 mil)
Quarterly return on assets: 0.41% ($3.4 mil)
Return on Equity (ROE): 2.78% ($2.0 mil)
Quarterly return on equity: 4.61% ($3.3 mil)
Net income: $1.9 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 0.23% ($1,893.8 mil)
Quarterly Pretax return on assets: 0.41% ($3,376.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
Total employees (full-time equivalent)228
Total assets$823,405
Cash and due from depository institutions$14,256
Interest-bearing balances$11,225
Federal funds sold & reverse repurchase agreements$16,281
Net loans & leases$529,222
Loan loss allowance $6,630
Trading account assets$0
Bank premises and fixed assets$24,621
Other real estate owned$13,128
Goodwill and other intangibles$1,000
All other assets$19,887
Life insurance assets$823,405
Total liabilities and capital$752,076
Total liabilities$646,896
Total deposits$556,743
Interest-bearing deposits$646,896
Deposits held in domestic offices$87
% insured (estimated)54123.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$36,807
Other borrowed funds $0
Subordinated debt $14,250
All other liabilities $71,329
Total equity capital$71,329
Total bank equity capital$71,329
Perpetual preferred stock$0
Common stock$150
Undivided profits $41,653
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $16,551
Income earned, not collected on loans $10,845
Earning assets $0
Long-term assets (5+ years) $2,653
Average Assets, year-to-date $761,738
Average Assets, quarterly $180,204
Volatile liabilities $815,693
Insider loans $811,835
FHLB advances $579,978
Loans and leases held for sale $794,286
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $68,941
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $103,574
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $33,355
Total interest expense $7,578
Net interest income $25,777
Provision for loan and lease losses $4,700
Total noninterest income $10,547
Fiduciary activities $4,385
Service charges on deposit accounts $1,769
Trading account gains & fees $0
Additional noninterest income $4,393
Total noninterest expense $29,516
Salaries and employee benefits $16,087
Premises and equipment expense $4,636
Additional noninterest expense $8,793
Pre-tax net operating income $2,108
Securities gains (losses) -$221
Applicable income taxes $0
Income before extraordinary items $1,887
Extraordinary gains - net $0
Net income attributable to bank $1,887
Net charge-offs $0
Cash dividends $1,887
Sale, conversion, retirement of capital stock, net $6,231
Net operating income $2,700
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.43%
Cost of funding earning assets 1.01%
Net interest margin 3.42%
Noninterest income to earning assets 1.40%
Noninterest expense to earning assets 3.92%
Net operating income to assets 0.26%
Return on assets (ROA) 0.23%
Pretax return on assets 0.23%
Return on equity (ROE) 2.78%
Retained earnings to average equity (YTD only) -1.20%
Net charge-offs to loans 1.15%
Credit loss provision to net charge-offs 75.43%
Efficiency ratio1.09%
Assets per employee$81,258
Cash dividends to net income (YTD only)3.61%
Condition Ratios (%)
Loss allowance to loans 143.08%
Loss allowance to noncurrent loans 1.24%
Noncurrent assets plus other real estate owned to assets 61.13%
Noncurrent loans to loans 2.91%
Net loans and leases to deposits2.02%
Net loans and leases to core deposits 81.81%
Equity capital to assets 93.27%
Core capital (leverage) ratio 8.66%
Tier 1 risk-based capital ratio 8.68%
Total risk-based capital ratio 11.89%
Average assets$13
Average earning assets$815,693
Average equity $67,768
Average loans $752,760
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$848,903
Number of Accounts1
Personal trust and agency accounts$720,035
Employee benefit-defined contribution accounts$452,336
Employee benefit-defined benefit accounts$24,893
Other retirement accounts$292
Corporate trust and agency accounts$65,276
Investment management agency accounts$0
Other fiduciary accounts$138,268
Fiduciary accounts held in foreign offices$28,806
Non-managed Assets$10,164
Number of Accounts1145
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$65,276
Employee benefit-defined benefit accounts$0
Other retirement accounts$128,868
Corporate trust and agency accounts$58,276
Other fiduciary accounts$2,629
Fiduciary accounts held in foreign offices$57,401
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17 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06495Commonwealth Bank And Trust Company4350 Brownsboro Road, Suite 310, Louisville, KY 40207January 01, 1887Full Service Brick and Mortar
2221934Simpsonville Branch6920 Shelbyville Road, Simpsonville, KY 40067October 05, 1974Full Service Brick and Mortar
3221935West Branch1720 Midland Trail, Shelbyville, KY 40065December 19, 1979Full Service Brick and Mortar
4340830Mt. Eden Road Branch1501 Mt. Eden Road, Shelbyville, KY 40065May 08, 2000Full Service Brick and Mortar
546712422 Main Street Branch422 Main Street, Shelbyville, KY 40065January 04, 1991Full Service Brick and Mortar
6289408Humana Branch500 West Main Street, Louisville, KY 40202May 08, 1995Full Service Brick and Mortar
7289409St Matthews Branch286 North Hubbards Lane, Louisville, KY 40207September 08, 1995Full Service Brick and Mortar
8289410Aegon Center Branch400 West Market Street, Suite 140, Louisville, KY 40202September 30, 1996Full Service Brick and Mortar
9289411Glenridge Plaza Branch4990 Us Highway 42, Louisville, KY 40222May 24, 1999Full Service Brick and Mortar
11363716Kroger Branch311 Boone Station Rd Ste 1, Shelbyville, KY 40065September 05, 2001Full Service Retail
12364341Brownsboro Road Loan Production Bran4350 Brownsboro Road, Suite 220, Louisville, KY 40207August 01, 2002Limited Service Loan Production
13443291Springhurst Branch9440 Brownsboro Road, Louisville, KY 40241May 02, 2005Full Service Retail
14453298Highlands Branch2401 Bardstown Road, Louisville, KY 40205May 01, 2006Full Service Brick and Mortar
15463387Middletown Branch12906 Shelbyville Road, Louisville, KY 40243April 01, 2006Full Service Brick and Mortar
16466126Blankenbaker Parkway Branch801 Blankenbaker Parkway, Louisville, KY 40243March 07, 2007Full Service Brick and Mortar
17479632Preston Hwy Branch11900 Standiford Plaza Drive, Louisville, KY 40229March 01, 2008Full Service Brick and Mortar
18480886Anchorage Branch1402 Evergreen Road, Louisville, KY 40223August 18, 2008Full Service Brick and Mortar
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