First National Bank & Trust Co. of Woodford County in Versailles, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 29, 1996

  • First National Bank & Trust Co. of Woodford County in Versailles, Kentucky (KY)
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First National Bank & Trust Co. of Woodford County - Overview

  • General
  • FDIC Certificate #: 23240
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 480116
    Date Established: October 11, 1980
    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)
    OTS Docket #: 9596
    FDIC's unique #: 16287
    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: October 11, 1980
    Last Structure Change Effective Date: Febuary 29, 1996
    Last Structure Change Process Date: March 08, 1996
    Last Data Update: March 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 442 Lexington Road, Versailles, KY 40383
    County: Woodford
    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
    Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
    CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
  • Financial Summary
  • Total assets: $50.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $27Total assets
  • $50,420Cash and due from depository institutions
  • $2,656Interest-bearing balances
  • $7Securities
  • $303Federal funds sold & reverse repurchase agreements
  • $5,605Net loans & leases
  • $37,120Loan loss allowance
  • $346Trading account assets
  • $0Bank premises and fixed assets
  • $1,256Other real estate owned
  • $84Goodwill and other intangibles
  • $463Life insurance assets
  • $2,933All other assets
  • $0Total liabilities and capital
  • $50,420Total liabilities
  • $43,755Total deposits
  • $42,585Interest-bearing deposits
  • $37,457Deposits held in domestic offices
  • 42585.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $900Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $270Total equity capital
  • $270Total bank equity capital
  • $6,665Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $5,562Undivided profits
  • Memoranda
  • $103Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $103Income earned, not collected on loans
  • $375Earning assets
  • $43,035Long-term assets (5+ years)
  • $2,764Average Assets, year-to-date
  • $48,004Average Assets, quarterly
  • $50,865Volatile liabilities
  • $7,944Insider loans
  • $1,351FHLB advances
  • $0Loans and leases held for sale
  • $1,715Unused loan commitments
  • $3,205Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,732Total risk weighted assets
  • $34,935Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,068Total interest expense
  • $1,004Net interest income
  • $1,064Provision for loan and lease losses
  • $0Total noninterest income
  • $178Fiduciary activities
  • $0Service charges on deposit accounts
  • $139Trading account gains & fees
  • $0Additional noninterest income
  • $39Total noninterest expense
  • $1,038Salaries and employee benefits
  • $461Premises and equipment expense
  • $158Additional noninterest expense
  • $419Pre-tax net operating income
  • $204Securities gains (losses)
  • $0Applicable income taxes
  • $101Income before extraordinary items
  • $103Extraordinary gains - net
  • $0Net income attributable to bank
  • $103Net charge-offs
  • -$10Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 4.93%Cost of funding earning assets
  • 2.39%Net interest margin
  • 2.54%Noninterest income to earning assets
  • 0.42%Noninterest expense to earning assets
  • 2.47%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 0.42%Return on equity (ROE)
  • 2.01%Retained earnings to average equity (YTD only)
  • 2.01%Net charge-offs to loans
  • -0.03%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 75,604Assets per employee
  • 1.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 335.92%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 87.17%Net loans and leases to core deposits
  • 104.44%Equity capital to assets
  • 13.22%Core capital (leverage) ratio
  • 7.58%Tier 1 risk-based capital ratio
  • 10.68%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $48,004Average earning assets
  • $5,122Average equity
  • $41,972Average loans

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