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

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First National Bank and Trust routing number info

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First National Bank and Trust
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)75
Total assets$214,738
Cash and due from depository institutions$12,775
Interest-bearing balances$9,692
Federal funds sold & reverse repurchase agreements$1,860
Net loans & leases$110,592
Loan loss allowance $1,599
Trading account assets$0
Bank premises and fixed assets$8,604
Other real estate owned$680
Goodwill and other intangibles$0
All other assets$6,181
Life insurance assets$214,738
Total liabilities and capital$190,931
Total liabilities$174,319
Total deposits$139,452
Interest-bearing deposits$174,319
Deposits held in domestic offices$85
% insured (estimated)14737.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,875
All other liabilities $23,807
Total equity capital$23,807
Total bank equity capital$23,807
Perpetual preferred stock$0
Common stock$10,000
Undivided profits $6,707
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,428
Earning assets $0
Long-term assets (5+ years) $910
Average Assets, year-to-date $196,190
Average Assets, quarterly $87,071
Volatile liabilities $216,043
Insider loans $211,833
FHLB advances $132,473
Loans and leases held for sale $211,823
Unused loan commitments $1,167
Tier 1 (core) risk-based capital $1,167
Tier 2 risk-based capital $21,857
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,040
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,549
Total interest expense $1,428
Net interest income $7,121
Provision for loan and lease losses $725
Total noninterest income $1,286
Fiduciary activities $0
Service charges on deposit accounts $728
Trading account gains & fees $0
Additional noninterest income $558
Total noninterest expense $7,286
Salaries and employee benefits $4,142
Premises and equipment expense $638
Additional noninterest expense $2,506
Pre-tax net operating income $396
Securities gains (losses) $179
Applicable income taxes -$166
Income before extraordinary items $741
Extraordinary gains - net $0
Net income attributable to bank $741
Net charge-offs $0
Cash dividends $741
Sale, conversion, retirement of capital stock, net $1,008
Net operating income $160
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.35%
Cost of funding earning assets 0.73%
Net interest margin 3.63%
Noninterest income to earning assets 0.65%
Noninterest expense to earning assets 3.71%
Net operating income to assets 0.26%
Return on assets (ROA) 0.34%
Pretax return on assets 0.27%
Return on equity (ROE) 3.20%
Retained earnings to average equity (YTD only) 2.51%
Net charge-offs to loans 0.88%
Credit loss provision to net charge-offs 71.92%
Efficiency ratio1.11%
Assets per employee$86,666
Cash dividends to net income (YTD only)2.86%
Condition Ratios (%)
Loss allowance to loans 21.59%
Loss allowance to noncurrent loans 1.43%
Noncurrent assets plus other real estate owned to assets 36.11%
Noncurrent loans to loans 2.38%
Net loans and leases to deposits3.95%
Net loans and leases to core deposits 63.44%
Equity capital to assets 69.82%
Core capital (leverage) ratio 11.09%
Tier 1 risk-based capital ratio 10.32%
Total risk-based capital ratio 16.50%
Average assets$18
Average earning assets$216,043
Average equity $23,186
Average loans $196,408
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,852
Number of Accounts1
Personal trust and agency accounts$1,852
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,846
Corporate trust and agency accounts$0
Investment management agency accounts$6
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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