Community Bank of Lexington in Lexington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 1995

  • Community Bank of Lexington in Lexington, Kentucky (KY)
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Community Bank of Lexington - Overview

  • General
  • FDIC Certificate #: 27557
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Trust Bank, Inc. (#2720)
    Federal Reserve ID: 1392841
    Date Established: August 03, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 8806
    FDIC's unique #: 40339
    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: August 03, 1989
    Last Structure Change Effective Date: March 31, 1995
    Last Structure Change Process Date: May 03, 1995
    Last Data Update: May 03, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 155 East Main Street, Lexington, KY 40507
    County: Fayette
    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: $61.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $27Total assets
  • $61,287Cash and due from depository institutions
  • $1,456Interest-bearing balances
  • $8Securities
  • $8,115Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $48,988Loan loss allowance
  • $370Trading account assets
  • $0Bank premises and fixed assets
  • $1,874Other real estate owned
  • $0Goodwill and other intangibles
  • $854Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $61,287Total liabilities
  • $57,759Total deposits
  • $45,757Interest-bearing deposits
  • $40,055Deposits held in domestic offices
  • 45757.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $2,498Trading liabilities
  • $0Other borrowed funds
  • $9,077Subordinated debt
  • $0All other liabilities
  • $427Total equity capital
  • $427Total bank equity capital
  • $3,528Perpetual preferred stock
  • $1,500Common stock
  • $777Surplus
  • $1,945Undivided profits
  • Memoranda
  • $-694Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $354Income earned, not collected on loans
  • $4Earning assets
  • $57,111Long-term assets (5+ years)
  • $6,774Average Assets, year-to-date
  • $60,051Average Assets, quarterly
  • $62,614Volatile liabilities
  • $12,686Insider loans
  • $655FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,419Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,437Total risk weighted assets
  • $32,620Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,249Total interest expense
  • $2,358Net interest income
  • $1,891Provision for loan and lease losses
  • $87Total noninterest income
  • $353Fiduciary activities
  • $0Service charges on deposit accounts
  • $71Trading account gains & fees
  • $0Additional noninterest income
  • $282Total noninterest expense
  • $2,513Salaries and employee benefits
  • $1,057Premises and equipment expense
  • $466Additional noninterest expense
  • $990Pre-tax net operating income
  • -$356Securities gains (losses)
  • -$462Applicable income taxes
  • -$305Income before extraordinary items
  • -$513Extraordinary gains - net
  • $0Net income attributable to bank
  • -$513Net charge-offs
  • $0Cash dividends
  • $80Sale, conversion, retirement of capital stock, net
  • $91Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.69%Cost of funding earning assets
  • 4.27%Net interest margin
  • 3.42%Noninterest income to earning assets
  • 0.64%Noninterest expense to earning assets
  • 4.55%Net operating income to assets
  • -0.36%Return on assets (ROA)
  • -0.85%Pretax return on assets
  • -1.36%Return on equity (ROE)
  • -12.71%Retained earnings to average equity (YTD only)
  • -14.69%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 111,988Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -15.59%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 104.52%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 107.06%Net loans and leases to core deposits
  • 132.69%Equity capital to assets
  • 5.76%Core capital (leverage) ratio
  • 5.45%Tier 1 risk-based capital ratio
  • 10.54%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $60,051Average earning assets
  • $4,036Average equity
  • $55,249Average loans

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