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

Commonwealth Bank and Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total 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
  • 228Total employees (full-time equivalent)
  • $823,405Total assets
  • $14,256Cash and due from depository institutions
  • $11,225Interest-bearing balances
  • $205,010Securities
  • $16,281Federal funds sold & reverse repurchase agreements
  • $529,222Net loans & leases
  • $6,630Loan loss allowance
  • $0Trading account assets
  • $24,621Bank premises and fixed assets
  • $13,128Other real estate owned
  • $1,000Goodwill and other intangibles
  • $823,405Life insurance assets
  • $19,887All other assets
  • $752,076Total liabilities and capital
  • $646,896Total liabilities
  • $556,743Total deposits
  • $646,896Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 54123.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $36,807Trading liabilities
  • $0Other borrowed funds
  • $14,250Subordinated debt
  • $71,329All other liabilities
  • $71,329Total equity capital
  • $71,329Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $29,526Surplus
  • $41,653Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $16,551Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,845Income earned, not collected on loans
  • $0Earning assets
  • $2,653Long-term assets (5+ years)
  • $761,738Average Assets, year-to-date
  • $180,204Average Assets, quarterly
  • $815,693Volatile liabilities
  • $811,835Insider loans
  • $579,978FHLB advances
  • $794,286Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $68,941Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $103,574Restructured Loans and leases
  • $12,483Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,355Total interest income
  • $7,578Total interest expense
  • $25,777Net interest income
  • $4,700Provision for loan and lease losses
  • $10,547Total noninterest income
  • $4,385Fiduciary activities
  • $1,769Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,393Additional noninterest income
  • $29,516Total noninterest expense
  • $16,087Salaries and employee benefits
  • $4,636Premises and equipment expense
  • $8,793Additional noninterest expense
  • $2,108Pre-tax net operating income
  • -$221Securities gains (losses)
  • $0Applicable income taxes
  • $1,887Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,887Net income attributable to bank
  • $0Net charge-offs
  • $1,887Cash dividends
  • $6,231Sale, conversion, retirement of capital stock, net
  • $2,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.42%Net interest margin
  • 1.40%Noninterest income to earning assets
  • 3.92%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 2.78%Return on equity (ROE)
  • -1.20%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 75.43%Credit loss provision to net charge-offs
  • 1.09%Efficiency ratio
  • 81,258Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 143.08%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 61.13%Noncurrent assets plus other real estate owned to assets
  • 2.91%Noncurrent loans to loans
  • 2.02%Net loans and leases to deposits
  • 81.81%Net loans and leases to core deposits
  • 93.27%Equity capital to assets
  • 8.66%Core capital (leverage) ratio
  • 8.68%Tier 1 risk-based capital ratio
  • 11.89%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $815,693Average earning assets
  • $67,768Average equity
  • $752,760Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $848,903Managed Assets
  • 1Number of Accounts
  • $720,035Personal trust and agency accounts
  • $452,336Employee benefit-defined contribution accounts
  • $24,893Employee benefit-defined benefit accounts
  • $292Other retirement accounts
  • $65,276Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $138,268Other fiduciary accounts
  • $28,806Fiduciary accounts held in foreign offices
  • $10,164Non-managed Assets
  • 1145Number of Accounts
  • $0Personal trust and agency accounts
  • $65,276Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $128,868Other retirement accounts
  • $58,276Corporate trust and agency accounts
  • $2,629Other fiduciary accounts
  • $57,401Fiduciary accounts held in foreign offices

List of branches

  • 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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