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

This bank is inactive as of May 22, 2004

  • First National Bank and Trust Company in Georgetown, Kentucky (KY)
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First National Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 2693
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Whitaker Bank (#32912)
    Federal Reserve ID: 697110
    Date Established: January 01, 1883
    WWW: http://www.whitakerbank.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 12756
    FDIC's unique #: 1739
    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: January 01, 1934
    Last Structure Change Effective Date: May 22, 2004
    Last Structure Change Process Date: June 15, 2004
    Last Data Update: June 15, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: Main And Broadway, Georgetown, KY 40324
    County: Scott
    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: $152.9 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, 2003)

  • Dollar figures in thousands
  • 39Total employees (full-time equivalent)
  • $155,327Total assets
  • $4,681Cash and due from depository institutions
  • $0Interest-bearing balances
  • $62,850Securities
  • $6,570Federal funds sold & reverse repurchase agreements
  • $75,908Net loans & leases
  • $1,571Loan loss allowance
  • $0Trading account assets
  • $2,587Bank premises and fixed assets
  • $557Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,174All other assets
  • $155,327Total liabilities and capital
  • $144,095Total liabilities
  • $133,958Total deposits
  • $115,748Interest-bearing deposits
  • $133,958Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,687Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,624Other borrowed funds
  • $0Subordinated debt
  • $826All other liabilities
  • $11,232Total equity capital
  • $11,232Total bank equity capital
  • $11,232Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,000Undivided profits
  • Memoranda
  • $9,232Noncurrent loans and leases
  • $13,170Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,177Earning assets
  • $0Long-term assets (5+ years)
  • $1,171Average Assets, year-to-date
  • $145,328Average Assets, quarterly
  • $52,192Volatile liabilities
  • $149,926Insider loans
  • $152,650FHLB advances
  • $32,165Loans and leases held for sale
  • $684Unused loan commitments
  • $6,624Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,170Total unused commitments
  • $0Restructured Loans and leases
  • $1,133Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $7,798Total interest income
  • $3,274Total interest expense
  • $4,524Net interest income
  • $101Provision for loan and lease losses
  • $702Total noninterest income
  • $15Fiduciary activities
  • $590Service charges on deposit accounts
  • $0Trading account gains & fees
  • $97Additional noninterest income
  • $3,522Total noninterest expense
  • $1,547Salaries and employee benefits
  • $562Premises and equipment expense
  • $1,413Additional noninterest expense
  • $1,603Pre-tax net operating income
  • $8Securities gains (losses)
  • $324Applicable income taxes
  • $1,287Income before extraordinary items
  • -$61Extraordinary gains - net
  • $1,226Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $186Sale, conversion, retirement of capital stock, net
  • $1,175Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 2.32%Cost of funding earning assets
  • 3.21%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.50%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 10.63%Return on equity (ROE)
  • 0.44%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 54.30%Credit loss provision to net charge-offs
  • 9.16%Efficiency ratio
  • 67,394Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 95.84%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 133.47%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 1.52%Net loans and leases to deposits
  • 56.67%Net loans and leases to core deposits
  • 72.65%Equity capital to assets
  • 7.23%Core capital (leverage) ratio
  • 6.63%Tier 1 risk-based capital ratio
  • 11.36%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $149,926Average earning assets
  • $11,537Average equity
  • $140,967Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $787Managed Assets
  • 1Number of Accounts
  • $521Personal trust and agency accounts
  • $521Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 9Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $266Other retirement accounts
  • $266Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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