Farmers Bank & Capital Trust Company in Frankfort, Kentucky (KY)

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Farmers Bank & Capital Trust Company routing number info

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Farmers Bank & Capital Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Change in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)144
Total assets$720,976
Cash and due from depository institutions$29,766
Interest-bearing balances$22,687
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$357,945
Loan loss allowance $10,173
Trading account assets$0
Bank premises and fixed assets$11,419
Other real estate owned$11,940
Goodwill and other intangibles$134
All other assets$27,348
Life insurance assets$720,976
Total liabilities and capital$647,588
Total liabilities$559,499
Total deposits$459,436
Interest-bearing deposits$559,499
Deposits held in domestic offices$93
% insured (estimated)63858.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$18,000
Other borrowed funds $0
Subordinated debt $6,231
All other liabilities $73,388
Total equity capital$73,388
Total bank equity capital$73,388
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $40,590
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $425
Income earned, not collected on loans $23,560
Earning assets $0
Long-term assets (5+ years) $2,708
Average Assets, year-to-date $663,056
Average Assets, quarterly $343,737
Volatile liabilities $753,851
Insider loans $732,594
FHLB advances $398,861
Loans and leases held for sale $740,269
Unused loan commitments $14,290
Tier 1 (core) risk-based capital $5,967
Tier 2 risk-based capital $70,101
Total risk weighted assets $8,323
Total unused commitments $0
Restructured Loans and leases $25,592
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $29,110
Total interest expense $8,425
Net interest income $20,685
Provision for loan and lease losses $2,479
Total noninterest income $5,495
Fiduciary activities $1,268
Service charges on deposit accounts $2,635
Trading account gains & fees $0
Additional noninterest income $1,592
Total noninterest expense $20,298
Salaries and employee benefits $7,515
Premises and equipment expense $2,305
Additional noninterest expense $10,478
Pre-tax net operating income $3,403
Securities gains (losses) $896
Applicable income taxes $831
Income before extraordinary items $3,468
Extraordinary gains - net $0
Net income attributable to bank $3,468
Net charge-offs $0
Cash dividends $3,468
Sale, conversion, retirement of capital stock, net $4,131
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.19%
Cost of funding earning assets 1.21%
Net interest margin 2.97%
Noninterest income to earning assets 0.79%
Noninterest expense to earning assets 2.92%
Net operating income to assets 0.36%
Return on assets (ROA) 0.46%
Pretax return on assets 0.57%
Return on equity (ROE) 4.96%
Retained earnings to average equity (YTD only) 4.96%
Net charge-offs to loans 1.04%
Credit loss provision to net charge-offs 60.01%
Efficiency ratio1.42%
Assets per employee$77,532
Cash dividends to net income (YTD only)5.01%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.76%
Noncurrent assets plus other real estate owned to assets 43.18%
Noncurrent loans to loans 4.92%
Net loans and leases to deposits6.40%
Net loans and leases to core deposits 63.98%
Equity capital to assets 65.47%
Core capital (leverage) ratio 10.18%
Tier 1 risk-based capital ratio 9.47%
Total risk-based capital ratio 17.58%
Average assets$19
Average earning assets$753,851
Average equity $69,959
Average loans $695,388
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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$244,500
Number of Accounts1
Personal trust and agency accounts$172,254
Employee benefit-defined contribution accounts$83,324
Employee benefit-defined benefit accounts$5,877
Other retirement accounts$5,648
Corporate trust and agency accounts$12,865
Investment management agency accounts$198
Other fiduciary accounts$55,478
Fiduciary accounts held in foreign offices$8,864
Non-managed Assets$0
Number of Accounts333
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$12,865
Employee benefit-defined benefit accounts$0
Other retirement accounts$72,246
Corporate trust and agency accounts$6,510
Other fiduciary accounts$65,044
Fiduciary accounts held in foreign offices$0
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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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