Farmers-Deposit Bank in Flemingsburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1997

  • Farmers-Deposit Bank in Flemingsburg, Kentucky (KY)
  • Show street view No street view available for this location

Farmers-Deposit Bank - Overview

  • General
  • FDIC Certificate #: 15654
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Trust Bank, Inc. (#2720)
    Federal Reserve ID: 602815
    Date Established: January 01, 1939
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 10550
    FDIC's unique #: 9931
    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: March 03, 1939
    Last Structure Change Effective Date: January 01, 1997
    Last Structure Change Process Date: January 13, 1997
    Last Data Update: January 13, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Flemingsburg, KY 41041
    County: Fleming
    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
  • Financial Summary
  • Total assets: $91.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $35Total assets
  • $91,274Cash and due from depository institutions
  • $2,112Interest-bearing balances
  • $11Securities
  • $17,480Federal funds sold & reverse repurchase agreements
  • $945Net loans & leases
  • $66,582Loan loss allowance
  • $1,040Trading account assets
  • $0Bank premises and fixed assets
  • $2,002Other real estate owned
  • $0Goodwill and other intangibles
  • $2,153Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $91,274Total liabilities
  • $84,825Total deposits
  • $78,574Interest-bearing deposits
  • $66,746Deposits held in domestic offices
  • 78574.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $1,249Trading liabilities
  • $0Other borrowed funds
  • $4,020Subordinated debt
  • $0All other liabilities
  • $982Total equity capital
  • $982Total bank equity capital
  • $6,449Perpetual preferred stock
  • $0Common stock
  • $450Surplus
  • $3,550Undivided profits
  • Memoranda
  • $2,449Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $31Income earned, not collected on loans
  • $1,254Earning assets
  • $85,018Long-term assets (5+ years)
  • $19,482Average Assets, year-to-date
  • $88,984Average Assets, quarterly
  • $90,760Volatile liabilities
  • $12,810Insider loans
  • $1,051FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $15,285Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,466Total risk weighted assets
  • $68,917Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,815Total interest expense
  • $3,534Net interest income
  • $4,281Provision for loan and lease losses
  • $240Total noninterest income
  • $548Fiduciary activities
  • $0Service charges on deposit accounts
  • $377Trading account gains & fees
  • $0Additional noninterest income
  • $171Total noninterest expense
  • $2,498Salaries and employee benefits
  • $1,149Premises and equipment expense
  • $296Additional noninterest expense
  • $1,053Pre-tax net operating income
  • $2,091Securities gains (losses)
  • $0Applicable income taxes
  • $676Income before extraordinary items
  • $1,415Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,415Net charge-offs
  • $66Cash dividends
  • $1,612Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.39%Cost of funding earning assets
  • 4.25%Net interest margin
  • 5.15%Noninterest income to earning assets
  • 0.66%Noninterest expense to earning assets
  • 3.00%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 2.35%Return on equity (ROE)
  • 21.32%Retained earnings to average equity (YTD only)
  • -2.97%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 363.64%Efficiency ratio
  • 51,729Assets per employee
  • 2.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 113.92%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 3354.84%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 84.74%Net loans and leases to core deposits
  • 99.36%Equity capital to assets
  • 7.07%Core capital (leverage) ratio
  • 7.10%Tier 1 risk-based capital ratio
  • 9.38%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $88,984Average earning assets
  • $6,637Average equity
  • $83,199Average loans

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