Farmers National Bank of London in London, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 03, 1995

  • Farmers National Bank of London in London, Kentucky (KY)
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Farmers National Bank of London - Overview

  • General
  • FDIC Certificate #: 293
    Status: Inactive
    Closing history: Name Change
    Acquiring institution: Farmers National Bank (#2728)
    Federal Reserve ID: 488514
    Date Established: May 11, 1884
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 237
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 03, 1995
    Last Structure Change Process Date: December 07, 1995
    Last Data Update: December 07, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Carnaby Shopping Center, Highway 25 East, London, KY 40741
    County: Laurel
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Corbin-London, KY (#202)
    Core Based Statistical Area (CBSA): London, KY (#30940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Change in Location
    Name Change
  • Financial Summary
  • Total assets: $41.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $29Total assets
  • $43,832Cash and due from depository institutions
  • $1,670Interest-bearing balances
  • $0Securities
  • $13,258Federal funds sold & reverse repurchase agreements
  • $2,400Net loans & leases
  • $23,859Loan loss allowance
  • $415Trading account assets
  • $0Bank premises and fixed assets
  • $2,169Other real estate owned
  • $0Goodwill and other intangibles
  • $476Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $43,832Total liabilities
  • $40,618Total deposits
  • $40,365Interest-bearing deposits
  • $34,766Deposits held in domestic offices
  • 40365.00%% insured (estimated)
  • $73Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $253Total equity capital
  • $253Total bank equity capital
  • $3,214Perpetual preferred stock
  • $0Common stock
  • $565Surplus
  • $2,436Undivided profits
  • Memoranda
  • $213Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $142Income earned, not collected on loans
  • $175Earning assets
  • $39,517Long-term assets (5+ years)
  • $1,643Average Assets, year-to-date
  • $41,724Average Assets, quarterly
  • $43,476Volatile liabilities
  • $5,219Insider loans
  • $968FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,104Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,290Total risk weighted assets
  • $25,548Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,772Total interest expense
  • $1,116Net interest income
  • $1,656Provision for loan and lease losses
  • $71Total noninterest income
  • $200Fiduciary activities
  • $0Service charges on deposit accounts
  • $116Trading account gains & fees
  • $0Additional noninterest income
  • $84Total noninterest expense
  • $1,386Salaries and employee benefits
  • $700Premises and equipment expense
  • $239Additional noninterest expense
  • $447Pre-tax net operating income
  • $399Securities gains (losses)
  • $0Applicable income taxes
  • $109Income before extraordinary items
  • $290Extraordinary gains - net
  • $0Net income attributable to bank
  • $290Net charge-offs
  • $66Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.46%Cost of funding earning assets
  • 3.00%Net interest margin
  • 4.46%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 3.73%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 0.96%Return on equity (ROE)
  • 9.17%Retained earnings to average equity (YTD only)
  • 5.34%Net charge-offs to loans
  • 0.29%Credit loss provision to net charge-offs
  • 105.97%Efficiency ratio
  • 74,677Assets per employee
  • 1.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.72%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 292.25%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.58%Net loans and leases to deposits
  • 59.11%Net loans and leases to core deposits
  • 67.89%Equity capital to assets
  • 7.33%Core capital (leverage) ratio
  • 7.63%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $41,724Average earning assets
  • $3,164Average equity
  • $37,144Average loans

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