First National Bank and Trust in city_name, state_name - Detailed Financial Reports, Location

First National Bank and Trust in London, Kentucky (KY)
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First National Bank and Trust - Overview

General
FDIC Certificate #: 2704
Status: Active
Federal Reserve ID: 717513
Bank Holding Company (Regulatory Top Holder): First National London Bankshares Corporation (RSSDID: 1071409, Location: London, KY)
Date Established: April 03, 1903
WWW: http://www.fnblondonky.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 9547
FDIC's unique #: 1747
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
Location
Address: 202 South Main Street, London, KY 40741
County: Laurel
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
Combined Statistical Area (CSA): Corbin-London, KY (#202)
Core Based Statistical Area (CBSA): London, KY (#30940)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $214.7 mil
Equity capital: $23.8 mil
Deposits held in domestic offices: $174.3 mil
Return on assets (ROA): 0.34% ($0.7 mil)
Quarterly return on assets: -0.09% (-$0.2 mil)
Return on Equity (ROE): 3.20% ($0.8 mil)
Quarterly return on equity: -0.84% (-$0.2 mil)
Net income: $0.7 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.27% ($579.8 mil)
Quarterly Pretax return on assets: -0.49% (-$1,052.2 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
75Total employees (full-time equivalent)
$214,738Total assets
$12,775Cash and due from depository institutions
$9,692Interest-bearing balances
$74,046Securities
$1,860Federal funds sold & reverse repurchase agreements
$110,592Net loans & leases
$1,599Loan loss allowance
$0Trading account assets
$8,604Bank premises and fixed assets
$680Other real estate owned
$0Goodwill and other intangibles
$214,738Life insurance assets
$6,181All other assets
$190,931Total liabilities and capital
$174,319Total liabilities
$139,452Total deposits
$174,319Interest-bearing deposits
$85Deposits held in domestic offices
14737.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,875Subordinated debt
$23,807All other liabilities
$23,807Total equity capital
$23,807Total bank equity capital
$0Perpetual preferred stock
$10,000Common stock
$7,100Surplus
$6,707Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,428Income earned, not collected on loans
$0Earning assets
$910Long-term assets (5+ years)
$196,190Average Assets, year-to-date
$87,071Average Assets, quarterly
$216,043Volatile liabilities
$211,833Insider loans
$132,473FHLB advances
$211,823Loans and leases held for sale
$1,167Unused loan commitments
$1,167Tier 1 (core) risk-based capital
$21,857Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$15,040Restructured Loans and leases
$5,937Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,549Total interest income
$1,428Total interest expense
$7,121Net interest income
$725Provision for loan and lease losses
$1,286Total noninterest income
$0Fiduciary activities
$728Service charges on deposit accounts
$0Trading account gains & fees
$558Additional noninterest income
$7,286Total noninterest expense
$4,142Salaries and employee benefits
$638Premises and equipment expense
$2,506Additional noninterest expense
$396Pre-tax net operating income
$179Securities gains (losses)
-$166Applicable income taxes
$741Income before extraordinary items
$0Extraordinary gains - net
$741Net income attributable to bank
$0Net charge-offs
$741Cash dividends
$1,008Sale, conversion, retirement of capital stock, net
$160Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
0.73%Cost of funding earning assets
3.63%Net interest margin
0.65%Noninterest income to earning assets
3.71%Noninterest expense to earning assets
0.26%Net operating income to assets
0.34%Return on assets (ROA)
0.27%Pretax return on assets
3.20%Return on equity (ROE)
2.51%Retained earnings to average equity (YTD only)
0.88%Net charge-offs to loans
71.92%Credit loss provision to net charge-offs
1.11%Efficiency ratio
86,666Assets per employee
2.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
21.59%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
36.11%Noncurrent assets plus other real estate owned to assets
2.38%Noncurrent loans to loans
3.95%Net loans and leases to deposits
63.44%Net loans and leases to core deposits
69.82%Equity capital to assets
11.09%Core capital (leverage) ratio
10.32%Tier 1 risk-based capital ratio
16.50%Total risk-based capital ratio
Memoranda
$18Average assets
$216,043Average earning assets
$23,186Average equity
$196,408Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,852Managed Assets
1Number of Accounts
$1,852Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,846Other retirement accounts
$0Corporate trust and agency accounts
$6Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

5 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1747	First National Bank And Trust	202 South Main Street, London, KY 40741	April 03, 1903	Full Service Brick and Mortar
1	193923	Don C. Edwards Branch	1308 South Main Street, London, KY 40741	September 22, 1976	Full Service Brick and Mortar
3	193925	The Plaza Branch	1811 North Main Street, London, KY 40741	October 23, 1980	Full Service Brick and Mortar
4	193926	Marketplace Branch	1730 Highway 192 West, London, KY 40741	January 07, 1994	Full Service Brick and Mortar
5	193927	South Laurel Branch	775 West Cumberland Gap Parkway, Corbin, KY 40701	December 08, 1997	Full Service Brick and Mortar

First National Bank and Trust in London, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank and Trust in London, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First National Bank and Trust in London, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches