Farmers & Traders Bank of Campton in Campton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Farmers & Traders Bank of Campton - Overview

  • General
  • FDIC Certificate #: 288
    Status: Active
    Federal Reserve ID: 839817
    Bank Holding Company (Regulatory Top Holder): Middlefork Financial Group Inc. (RSSDID: 1071539, Location: Hyden, KY)
    Date Established: January 01, 1902
    WWW: http://www.farmersandtradersbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10627
    FDIC's unique #: 232
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 01, 2010
    Last Structure Change Process Date: August 24, 2010
    Last Data Update: August 24, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 93 Marion Street, Campton, KY 41301
    County: Wolfe
    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: $43.3 mil
    Equity capital: $4.8 mil
    Deposits held in domestic offices: $37.5 mil
    Return on assets (ROA): 1.01% ($0.4 mil)
    Quarterly return on assets: 1.41% ($0.6 mil)
    Return on Equity (ROE): 9.70% ($0.5 mil)
    Quarterly return on equity: 13.10% ($0.7 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($437.1 mil)
    Quarterly Pretax return on assets: 1.41% ($610.2 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
  • 16Total employees (full-time equivalent)
  • $43,279Total assets
  • $2,000Cash and due from depository institutions
  • $3Interest-bearing balances
  • $12,767Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $25,276Net loans & leases
  • $512Loan loss allowance
  • $0Trading account assets
  • $1,786Bank premises and fixed assets
  • $50Other real estate owned
  • $573Goodwill and other intangibles
  • $43,279Life insurance assets
  • $827All other assets
  • $38,521Total liabilities and capital
  • $37,502Total liabilities
  • $30,433Total deposits
  • $37,502Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 311.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $551Trading liabilities
  • $0Other borrowed funds
  • $157Subordinated debt
  • $4,758All other liabilities
  • $4,758Total equity capital
  • $4,758Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $2,843Surplus
  • $1,615Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $409Income earned, not collected on loans
  • $0Earning assets
  • $205Long-term assets (5+ years)
  • $38,046Average Assets, year-to-date
  • $26,023Average Assets, quarterly
  • $42,817Volatile liabilities
  • $43,575Insider loans
  • $25,945FHLB advances
  • $42,249Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,723Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,515Restructured Loans and leases
  • $5Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,124Total interest income
  • $342Total interest expense
  • $1,782Net interest income
  • $136Provision for loan and lease losses
  • $518Total noninterest income
  • $0Fiduciary activities
  • $388Service charges on deposit accounts
  • $0Trading account gains & fees
  • $130Additional noninterest income
  • $1,733Total noninterest expense
  • $719Salaries and employee benefits
  • $256Premises and equipment expense
  • $758Additional noninterest expense
  • $431Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $431Income before extraordinary items
  • $0Extraordinary gains - net
  • $431Net income attributable to bank
  • $0Net charge-offs
  • $431Cash dividends
  • $59Sale, conversion, retirement of capital stock, net
  • $253Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.72%Net interest margin
  • 1.37%Noninterest income to earning assets
  • 4.59%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 9.70%Return on equity (ROE)
  • 4.01%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 230.51%Credit loss provision to net charge-offs
  • 9.61%Efficiency ratio
  • 75,348Assets per employee
  • 2.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.70%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 125.18%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 1.59%Net loans and leases to deposits
  • 67.40%Net loans and leases to core deposits
  • 69.35%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 14.35%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $42,817Average earning assets
  • $4,443Average equity
  • $37,734Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0232Farmers & Traders Bank Of Campton93 Marion Street, Campton, KY 41301January 01, 1902Full Service Brick and Mortar
    1361230Farmers And Traders Branch235 Mt. Parkway Spur, Campton, KY 41301October 10, 2000Full Service Brick and Mortar

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