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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    01747First National Bank And Trust202 South Main Street, London, KY 40741April 03, 1903Full Service Brick and Mortar
    1193923Don C. Edwards Branch1308 South Main Street, London, KY 40741September 22, 1976Full Service Brick and Mortar
    3193925The Plaza Branch1811 North Main Street, London, KY 40741October 23, 1980Full Service Brick and Mortar
    4193926Marketplace Branch1730 Highway 192 West, London, KY 40741January 07, 1994Full Service Brick and Mortar
    5193927South Laurel Branch775 West Cumberland Gap Parkway, Corbin, KY 40701December 08, 1997Full Service Brick and Mortar

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