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

This bank is inactive as of October 07, 1999

  • Farmers Bank and Trust Company of Madisonville in Madisonville, Kentucky (KY)
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Farmers Bank and Trust Company of Madisonville - Overview

  • General
  • FDIC Certificate #: 2758
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#4393)
    Federal Reserve ID: 257242
    Date Established: September 08, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 11197
    FDIC's unique #: 1795
    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: January 01, 1934
    Last Structure Change Effective Date: October 07, 1999
    Last Structure Change Process Date: November 03, 1999
    Last Data Update: November 03, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 77 North Main Street, Madisonville, KY 42431
    County: Hopkins
    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
    Core Based Statistical Area (CBSA): Madisonville, KY (#31580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $194.8 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 70Total employees (full-time equivalent)
  • $200,017Total assets
  • $1,949Cash and due from depository institutions
  • $6Interest-bearing balances
  • $61,197Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $132,844Net loans & leases
  • $1,621Loan loss allowance
  • $0Trading account assets
  • $2,504Bank premises and fixed assets
  • $253Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,270All other assets
  • $200,017Total liabilities and capital
  • $182,129Total liabilities
  • $133,597Total deposits
  • $116,261Interest-bearing deposits
  • $133,597Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $21,247Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $24,084Other borrowed funds
  • $0Subordinated debt
  • $3,201All other liabilities
  • $17,888Total equity capital
  • $17,888Total bank equity capital
  • $17,888Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $10,000Undivided profits
  • Memoranda
  • $6,888Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,107Earning assets
  • $0Long-term assets (5+ years)
  • $531Average Assets, year-to-date
  • $194,047Average Assets, quarterly
  • $69,607Volatile liabilities
  • $199,226Insider loans
  • $201,507FHLB advances
  • $49,085Loans and leases held for sale
  • $3,457Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,188Total unused commitments
  • $0Restructured Loans and leases
  • $125,248Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $15,330Total interest income
  • $7,491Total interest expense
  • $7,839Net interest income
  • $480Provision for loan and lease losses
  • $1,542Total noninterest income
  • $139Fiduciary activities
  • $593Service charges on deposit accounts
  • $0Trading account gains & fees
  • $810Additional noninterest income
  • $5,278Total noninterest expense
  • $2,617Salaries and employee benefits
  • $760Premises and equipment expense
  • $1,901Additional noninterest expense
  • $3,623Pre-tax net operating income
  • $1Securities gains (losses)
  • $1,038Applicable income taxes
  • $2,586Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,586Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $364Sale, conversion, retirement of capital stock, net
  • $3,081Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.97%Yield on earning assets
  • 3.89%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 14.50%Return on equity (ROE)
  • -2.78%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 131.87%Credit loss provision to net charge-offs
  • 11.27%Efficiency ratio
  • 56,263Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 119.14%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 146.43%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 99.44%Net loans and leases to core deposits
  • 118.87%Equity capital to assets
  • 8.94%Core capital (leverage) ratio
  • 8.38%Tier 1 risk-based capital ratio
  • 13.67%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $199,226Average earning assets
  • $17,837Average equity
  • $192,336Average loans

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