Farmers Bank & Capital Trust Company in Frankfort, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers Bank & Capital Trust Company - Overview

  • General
  • FDIC Certificate #: 15437
    Status: Active
    Federal Reserve ID: 728742
    Bank Holding Company (Regulatory Top Holder): Farmers Capital Bank Corporation (RSSDID: 1098732, Location: Frankfort, KY)
    Date Established: Febuary 16, 1850
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 13940
    FDIC's unique #: 9749
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 08, 2010
    Last Structure Change Process Date: May 10, 2010
    Last Data Update: May 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 West Main St, Frankfort, KY 40601
    County: Franklin
    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
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Frankfort, KY (#23180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
    Change in Location
  • Financial Summary
  • Total assets: $721.0 mil
    Equity capital: $73.4 mil
    Deposits held in domestic offices: $559.5 mil
    Return on assets (ROA): 0.46% ($3.3 mil)
    Quarterly return on assets: 0.25% ($1.8 mil)
    Return on Equity (ROE): 4.96% ($3.6 mil)
    Quarterly return on equity: 2.51% ($1.8 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.57% ($4,109.6 mil)
    Quarterly Pretax return on assets: 0.26% ($1,874.5 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
  • 144Total employees (full-time equivalent)
  • $720,976Total assets
  • $29,766Cash and due from depository institutions
  • $22,687Interest-bearing balances
  • $282,424Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $357,945Net loans & leases
  • $10,173Loan loss allowance
  • $0Trading account assets
  • $11,419Bank premises and fixed assets
  • $11,940Other real estate owned
  • $134Goodwill and other intangibles
  • $720,976Life insurance assets
  • $27,348All other assets
  • $647,588Total liabilities and capital
  • $559,499Total liabilities
  • $459,436Total deposits
  • $559,499Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 63858.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,000Trading liabilities
  • $0Other borrowed funds
  • $6,231Subordinated debt
  • $73,388All other liabilities
  • $73,388Total equity capital
  • $73,388Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $31,798Surplus
  • $40,590Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $425Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23,560Income earned, not collected on loans
  • $0Earning assets
  • $2,708Long-term assets (5+ years)
  • $663,056Average Assets, year-to-date
  • $343,737Average Assets, quarterly
  • $753,851Volatile liabilities
  • $732,594Insider loans
  • $398,861FHLB advances
  • $740,269Loans and leases held for sale
  • $14,290Unused loan commitments
  • $5,967Tier 1 (core) risk-based capital
  • $70,101Tier 2 risk-based capital
  • $8,323Total risk weighted assets
  • $0Total unused commitments
  • $25,592Restructured Loans and leases
  • $5,421Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,110Total interest income
  • $8,425Total interest expense
  • $20,685Net interest income
  • $2,479Provision for loan and lease losses
  • $5,495Total noninterest income
  • $1,268Fiduciary activities
  • $2,635Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,592Additional noninterest income
  • $20,298Total noninterest expense
  • $7,515Salaries and employee benefits
  • $2,305Premises and equipment expense
  • $10,478Additional noninterest expense
  • $3,403Pre-tax net operating income
  • $896Securities gains (losses)
  • $831Applicable income taxes
  • $3,468Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,468Net income attributable to bank
  • $0Net charge-offs
  • $3,468Cash dividends
  • $4,131Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 2.97%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.92%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 4.96%Return on equity (ROE)
  • 4.96%Retained earnings to average equity (YTD only)
  • 1.04%Net charge-offs to loans
  • 60.01%Credit loss provision to net charge-offs
  • 1.42%Efficiency ratio
  • 77,532Assets per employee
  • 5.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.76%Loss allowance to noncurrent loans
  • 43.18%Noncurrent assets plus other real estate owned to assets
  • 4.92%Noncurrent loans to loans
  • 6.40%Net loans and leases to deposits
  • 63.98%Net loans and leases to core deposits
  • 65.47%Equity capital to assets
  • 10.18%Core capital (leverage) ratio
  • 9.47%Tier 1 risk-based capital ratio
  • 17.58%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $753,851Average earning assets
  • $69,959Average equity
  • $695,388Average 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
  • $244,500Managed Assets
  • 1Number of Accounts
  • $172,254Personal trust and agency accounts
  • $83,324Employee benefit-defined contribution accounts
  • $5,877Employee benefit-defined benefit accounts
  • $5,648Other retirement accounts
  • $12,865Corporate trust and agency accounts
  • $198Investment management agency accounts
  • $55,478Other fiduciary accounts
  • $8,864Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 333Number of Accounts
  • $0Personal trust and agency accounts
  • $12,865Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $72,246Other retirement accounts
  • $6,510Corporate trust and agency accounts
  • $65,044Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 9 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09749Farmers Bank & Capital Trust Company125 West Main St, Frankfort, KY 40601Febuary 16, 1850Full Service Brick and Mortar
    1233956Frankfort Branch150-52 Versailles Road, Frankfort, KY 40601June 21, 1948Full Service Brick and Mortar
    5233960Franklin Square Branch1275 U.S. 127 South, Frankfort, KY 40601December 14, 1977Full Service Brick and Mortar
    10233961Cardinal Hills Branch555 Versailles Road, Frankfort, KY 40601December 22, 1981Full Service Brick and Mortar
    11458813Louisville Road Branch1401 Louisville Road, Frankfort, KY 40601January 29, 2007Full Service Brick and Mortar
    121790Lawrenceburg Bank Branch128 South Main St, Lawrenceburg, KY 40342January 01, 1885Full Service Brick and Mortar
    13194076West Park BranchU.S. 62 And U.S. 127 South, Lawrenceburg, KY 40342October 24, 1983Full Service Brick and Mortar
    14448795Danville Branch1035 Ben Ali Drive, Danville, KY 40422January 17, 2006Full Service Brick and Mortar
    15478521Harrodsburg Branch838 North College St, Harrodsburg, KY 40330July 25, 2007Full Service Brick and Mortar

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