Franklin Bank & Trust Company in Franklin, Kentucky (KY)

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Franklin Bank & Trust Company routing number info

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Franklin Bank & Trust Company
GeneralFDIC Certificate #: 17937
Status: Active
Federal Reserve ID: 493844
Bank Holding Company (Regulatory Top Holder): Franklin Bancorp, Inc. (RSSDID: 1098152, Location: Franklin, KY)
Date Established: December 01, 1958
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 12362
FDIC's unique #: 11871
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: Commercial Lending Specialization
Date of Deposit Insurance: December 01, 1958
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 317 North Main Street, Franklin, KY 42134
County: Simpson
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $362.7 mil
Equity capital: $37.7 mil
Deposits held in domestic offices: $290.2 mil
Return on assets (ROA): 1.08% ($3.9 mil)
Quarterly return on assets: 1.11% ($4.0 mil)
Return on Equity (ROE): 11.03% ($4.2 mil)
Quarterly return on equity: 10.77% ($4.1 mil)
Net income: $3.8 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.57% ($5,693.9 mil)
Quarterly Pretax return on assets: 1.58% ($5,730.2 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)65
Total assets$362,668
Cash and due from depository institutions$43,213
Interest-bearing balances$30,887
Federal funds sold & reverse repurchase agreements$1,599
Net loans & leases$273,345
Loan loss allowance $4,519
Trading account assets$0
Bank premises and fixed assets$4,884
Other real estate owned$1,628
Goodwill and other intangibles$0
All other assets$13,134
Life insurance assets$362,668
Total liabilities and capital$324,984
Total liabilities$290,220
Total deposits$256,897
Interest-bearing deposits$290,220
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$29,382
Other borrowed funds $0
Subordinated debt $5,382
All other liabilities $37,684
Total equity capital$37,684
Total bank equity capital$37,684
Perpetual preferred stock$0
Common stock$176
Undivided profits $6,639
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 $1,718
Earning assets $0
Long-term assets (5+ years) $1,634
Average Assets, year-to-date $330,696
Average Assets, quarterly $42,515
Volatile liabilities $351,141
Insider loans $359,162
FHLB advances $255,515
Loans and leases held for sale $360,003
Unused loan commitments $7,396
Tier 1 (core) risk-based capital $7,396
Tier 2 risk-based capital $37,327
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $24,822
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $18,179
Total interest expense $3,799
Net interest income $14,380
Provision for loan and lease losses $1,184
Total noninterest income $1,333
Fiduciary activities $0
Service charges on deposit accounts $1,381
Trading account gains & fees $0
Additional noninterest income -$48
Total noninterest expense $9,088
Salaries and employee benefits $4,526
Premises and equipment expense $800
Additional noninterest expense $3,762
Pre-tax net operating income $5,441
Securities gains (losses) $76
Applicable income taxes $1,716
Income before extraordinary items $3,801
Extraordinary gains - net $0
Net income attributable to bank $3,801
Net charge-offs $0
Cash dividends $3,801
Sale, conversion, retirement of capital stock, net $1,180
Net operating income $561
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.53%
Cost of funding earning assets 1.16%
Net interest margin 4.38%
Noninterest income to earning assets 0.41%
Noninterest expense to earning assets 2.77%
Net operating income to assets 1.07%
Return on assets (ROA) 1.08%
Pretax return on assets 1.57%
Return on equity (ROE) 11.03%
Retained earnings to average equity (YTD only) 9.40%
Net charge-offs to loans 0.42%
Credit loss provision to net charge-offs 100.34%
Efficiency ratio5.61%
Assets per employee$57,837
Cash dividends to net income (YTD only)5.58%
Condition Ratios (%)
Loss allowance to loans 14.76%
Loss allowance to noncurrent loans 1.63%
Noncurrent assets plus other real estate owned to assets 263.04%
Noncurrent loans to loans 0.92%
Net loans and leases to deposits0.62%
Net loans and leases to core deposits 94.19%
Equity capital to assets 96.29%
Core capital (leverage) ratio 10.39%
Tier 1 risk-based capital ratio 10.37%
Total risk-based capital ratio 14.61%
Average assets$16
Average earning assets$351,141
Average equity $34,451
Average loans $328,572
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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$181
Number of Accounts1
Personal trust and agency accounts$181
Employee benefit-defined contribution accounts$181
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts6
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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4 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011871Franklin Bank & Trust Company317 North Main Street, Franklin, KY 42134December 01, 1958Full Service Brick and Mortar
2243176South Branch903 South Main Street, Franklin, KY 42135August 23, 1982Full Service Brick and Mortar
4357399Bowling Green Branch661 Dishman Lane Ext, Bowling Green, KY 42104July 17, 2000Full Service Brick and Mortar
6465805Bowling Green/Gary Farms Branch2305 Gary Farms Blvd, Bowling Green, KY 42104July 17, 2006Full Service Brick and Mortar
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