First United Bank and Trust Company in city_name, state_name

First United Bank and Trust Company in Madisonville, Kentucky (KY)
Show street view No street view available for this location

First United Bank and Trust Company routing number info

First United Bank and Trust Company - Overview

General
FDIC Certificate #: 34150
Status: Active
Federal Reserve ID: 2356091
Bank Holding Company (Regulatory Top Holder): First United Bancorp, Inc. (RSSDID: 2356082, Location: Madisonville, KY)
Date Established: March 29, 1996
WWW: http://www.efirstunitedbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 56295
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: March 29, 1996
Last Structure Change Effective Date: June 01, 2008
Last Structure Change Process Date: June 03, 2008
Last Data Update: June 03, 2008
Data Source Date: April 05, 2012
Location
Address: 162 North Main Street, Madisonville, KY 42431
County: Hopkins
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Madisonville, KY (#31580)
CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Financial Summary
Total assets: $209.7 mil
Equity capital: $24.1 mil
Deposits held in domestic offices: $146.1 mil
Return on assets (ROA): 0.93% ($2.0 mil)
Quarterly return on assets: 0.84% ($1.8 mil)
Return on Equity (ROE): 9.01% ($2.2 mil)
Quarterly return on equity: 7.47% ($1.8 mil)
Net income: $1.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.40% ($2,935.5 mil)
Quarterly Pretax return on assets: 1.48% ($3,103.2 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
58Total employees (full-time equivalent)
$209,676Total assets
$9,365Cash and due from depository institutions
$516Interest-bearing balances
$73,504Securities
$1,415Federal funds sold & reverse repurchase agreements
$115,299Net loans & leases
$2,137Loan loss allowance
$0Trading account assets
$3,423Bank premises and fixed assets
$192Other real estate owned
$0Goodwill and other intangibles
$209,676Life insurance assets
$6,478All other assets
$185,557Total liabilities and capital
$146,097Total liabilities
$123,893Total deposits
$146,097Interest-bearing deposits
$91Deposits held in domestic offices
28033.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,403Trading liabilities
$0Other borrowed funds
$1,024Subordinated debt
$24,119All other liabilities
$24,119Total equity capital
$24,119Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$7,545Surplus
$16,374Undivided profits
Memoranda
$0Noncurrent loans and leases
$376Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$685Income earned, not collected on loans
$0Earning assets
$783Long-term assets (5+ years)
$190,734Average Assets, year-to-date
$76,638Average Assets, quarterly
$208,957Volatile liabilities
$207,606Insider loans
$117,086FHLB advances
$208,727Loans and leases held for sale
$4,230Unused loan commitments
$4,230Tier 1 (core) risk-based capital
$20,455Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,402Restructured Loans and leases
$1,205Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,593Total interest income
$1,778Total interest expense
$7,815Net interest income
$557Provision for loan and lease losses
$1,867Total noninterest income
$77Fiduciary activities
$620Service charges on deposit accounts
$0Trading account gains & fees
$1,170Additional noninterest income
$5,988Total noninterest expense
$3,034Salaries and employee benefits
$536Premises and equipment expense
$2,418Additional noninterest expense
$3,137Pre-tax net operating income
-$203Securities gains (losses)
$998Applicable income taxes
$1,936Income before extraordinary items
$0Extraordinary gains - net
$1,936Net income attributable to bank
$0Net charge-offs
$1,936Cash dividends
$199Sale, conversion, retirement of capital stock, net
$297Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.06%Yield on earning assets
0.94%Cost of funding earning assets
4.13%Net interest margin
0.99%Noninterest income to earning assets
3.16%Noninterest expense to earning assets
0.99%Net operating income to assets
0.93%Return on assets (ROA)
1.40%Pretax return on assets
9.01%Return on equity (ROE)
7.62%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
279.90%Credit loss provision to net charge-offs
18.56%Efficiency ratio
61,847Assets per employee
3.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.34%Loss allowance to loans
1.82%Loss allowance to noncurrent loans
311.97%Noncurrent assets plus other real estate owned to assets
0.42%Noncurrent loans to loans
0.58%Net loans and leases to deposits
78.92%Net loans and leases to core deposits
81.28%Equity capital to assets
11.50%Core capital (leverage) ratio
9.80%Tier 1 risk-based capital ratio
17.47%Total risk-based capital ratio
Memoranda
$19Average assets
$208,957Average earning assets
$21,497Average equity
$189,452Average 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
$13,517Managed Assets
1Number of Accounts
$12,223Personal trust and agency accounts
$9,606Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$192Corporate trust and agency accounts
$4Investment management agency accounts
$2,321Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$100Non-managed Assets
45Number of Accounts
$0Personal trust and agency accounts
$192Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$1,294Other retirement accounts
$1,177Corporate trust and agency accounts
$0Other fiduciary accounts
$116Fiduciary accounts held in foreign offices

List of branches

3 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	56295	First United Bank And Trust Company	162 North Main Street, Madisonville, KY 42431	March 29, 1996	Full Service Brick and Mortar
1	363307	Northside Office Branch	1080 North Main Street, Madisonville, KY 42431	March 06, 2002	Full Service Brick and Mortar
2	453529	Earlington Office Branch	101 East Main Street, Earlington, KY 42410	June 22, 2006	Full Service Brick and Mortar

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

First United Bank and Trust Company - 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 United Bank and Trust Company in Madisonville, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First United Bank and Trust Company - 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 United Bank and Trust Company in Madisonville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches