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

Farmers Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 12869
    Status: Active
    Federal Reserve ID: 262741
    Bank Holding Company (Regulatory Top Holder): Farmers Bancorp, Inc. Of Marion, Kentucky (RSSDID: 1246962, Location: Marion, KY)
    Date Established: December 01, 1899
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13658
    FDIC's unique #: 8148
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 01, 2008
    Last Structure Change Process Date: June 03, 2008
    Last Data Update: June 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 South Main Street, Marion, KY 42064
    County: Crittenden
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $143.3 mil
    Equity capital: $15.2 mil
    Deposits held in domestic offices: $110.9 mil
    Return on assets (ROA): 1.04% ($1.5 mil)
    Quarterly return on assets: 0.33% ($0.5 mil)
    Return on Equity (ROE): 9.43% ($1.4 mil)
    Quarterly return on equity: 2.98% ($0.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.76% ($2,522.0 mil)
    Quarterly Pretax return on assets: 1.67% ($2,393.0 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
  • 41Total employees (full-time equivalent)
  • $143,295Total assets
  • $7,368Cash and due from depository institutions
  • $4,175Interest-bearing balances
  • $20,133Securities
  • $5,012Federal funds sold & reverse repurchase agreements
  • $101,522Net loans & leases
  • $1,703Loan loss allowance
  • $0Trading account assets
  • $2,425Bank premises and fixed assets
  • $200Other real estate owned
  • $0Goodwill and other intangibles
  • $143,295Life insurance assets
  • $6,635All other assets
  • $128,122Total liabilities and capital
  • $110,899Total liabilities
  • $95,265Total deposits
  • $110,899Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 1725.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,929Trading liabilities
  • $0Other borrowed funds
  • $569Subordinated debt
  • $15,173All other liabilities
  • $15,173Total equity capital
  • $15,173Total bank equity capital
  • $0Perpetual preferred stock
  • $425Common stock
  • $6,575Surplus
  • $8,173Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,120Income earned, not collected on loans
  • $0Earning assets
  • $1,050Long-term assets (5+ years)
  • $130,842Average Assets, year-to-date
  • $61,044Average Assets, quarterly
  • $135,998Volatile liabilities
  • $139,286Insider loans
  • $97,252FHLB advances
  • $138,320Loans and leases held for sale
  • $3,966Unused loan commitments
  • $3,966Tier 1 (core) risk-based capital
  • $15,070Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,146Restructured Loans and leases
  • $935Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,750Total interest income
  • $1,457Total interest expense
  • $6,293Net interest income
  • $820Provision for loan and lease losses
  • $952Total noninterest income
  • $0Fiduciary activities
  • $530Service charges on deposit accounts
  • $0Trading account gains & fees
  • $422Additional noninterest income
  • $4,037Total noninterest expense
  • $2,096Salaries and employee benefits
  • $353Premises and equipment expense
  • $1,588Additional noninterest expense
  • $2,388Pre-tax net operating income
  • $4Securities gains (losses)
  • $982Applicable income taxes
  • $1,410Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,410Net income attributable to bank
  • $0Net charge-offs
  • $1,410Cash dividends
  • $693Sale, conversion, retirement of capital stock, net
  • $666Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.27%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 5.09%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 9.43%Return on equity (ROE)
  • 4.97%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 118.33%Credit loss provision to net charge-offs
  • 4.63%Efficiency ratio
  • 55,721Assets per employee
  • 3.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.23%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 152.05%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 91.54%Net loans and leases to core deposits
  • 93.68%Equity capital to assets
  • 10.59%Core capital (leverage) ratio
  • 10.90%Tier 1 risk-based capital ratio
  • 15.50%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $135,998Average earning assets
  • $14,960Average equity
  • $123,634Average loans

Total Fiduciary and Related Assets (December 31, 2009)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $182Managed Assets
  • 1Number of Accounts
  • $182Personal trust and agency accounts
  • $182Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08148Farmers Bank And Trust Company201 South Main Street, Marion, KY 42064December 01, 1899Full Service Brick and Mortar
    1228062South Main Drive-Up Branch203 South Main Street, Marion, KY 42064July 01, 1998Limited Service Facility
    2419726Salem Branch216 West Main Street, Salem, KY 42078April 14, 2003Full Service Brick and Mortar

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