Franklin Bank & Trust Company in Franklin, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Franklin Bank & Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 65Total employees (full-time equivalent)
  • $362,668Total assets
  • $43,213Cash and due from depository institutions
  • $30,887Interest-bearing balances
  • $24,865Securities
  • $1,599Federal funds sold & reverse repurchase agreements
  • $273,345Net loans & leases
  • $4,519Loan loss allowance
  • $0Trading account assets
  • $4,884Bank premises and fixed assets
  • $1,628Other real estate owned
  • $0Goodwill and other intangibles
  • $362,668Life insurance assets
  • $13,134All other assets
  • $324,984Total liabilities and capital
  • $290,220Total liabilities
  • $256,897Total deposits
  • $290,220Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,382Trading liabilities
  • $0Other borrowed funds
  • $5,382Subordinated debt
  • $37,684All other liabilities
  • $37,684Total equity capital
  • $37,684Total bank equity capital
  • $0Perpetual preferred stock
  • $176Common stock
  • $30,869Surplus
  • $6,639Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,718Income earned, not collected on loans
  • $0Earning assets
  • $1,634Long-term assets (5+ years)
  • $330,696Average Assets, year-to-date
  • $42,515Average Assets, quarterly
  • $351,141Volatile liabilities
  • $359,162Insider loans
  • $255,515FHLB advances
  • $360,003Loans and leases held for sale
  • $7,396Unused loan commitments
  • $7,396Tier 1 (core) risk-based capital
  • $37,327Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,822Restructured Loans and leases
  • $3,442Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,179Total interest income
  • $3,799Total interest expense
  • $14,380Net interest income
  • $1,184Provision for loan and lease losses
  • $1,333Total noninterest income
  • $0Fiduciary activities
  • $1,381Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$48Additional noninterest income
  • $9,088Total noninterest expense
  • $4,526Salaries and employee benefits
  • $800Premises and equipment expense
  • $3,762Additional noninterest expense
  • $5,441Pre-tax net operating income
  • $76Securities gains (losses)
  • $1,716Applicable income taxes
  • $3,801Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,801Net income attributable to bank
  • $0Net charge-offs
  • $3,801Cash dividends
  • $1,180Sale, conversion, retirement of capital stock, net
  • $561Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 4.38%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 11.03%Return on equity (ROE)
  • 9.40%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 100.34%Credit loss provision to net charge-offs
  • 5.61%Efficiency ratio
  • 57,837Assets per employee
  • 5.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.76%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 263.04%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 94.19%Net loans and leases to core deposits
  • 96.29%Equity capital to assets
  • 10.39%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 14.61%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $351,141Average earning assets
  • $34,451Average equity
  • $328,572Average 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
  • $181Managed Assets
  • 1Number of Accounts
  • $181Personal trust and agency accounts
  • $181Employee 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
  • 6Number 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

  • 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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