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

This bank is inactive as of May 08, 2010

  • Lawrenceburg Bank and Trust Company in Lawrenceburg, Kentucky (KY)
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Lawrenceburg Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 2752
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Farmers Bank & Capital Trust Company (#15437)
    Federal Reserve ID: 638047
    Date Established: January 01, 1885
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Interstate: No)
    OTS Docket #: 13859
    FDIC's unique #: 1790
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 08, 2010
    Last Structure Change Process Date: May 10, 2010
    Last Data Update: May 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 128 South Main St, Lawrenceburg, KY 40342
    County: Anderson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Frankfort, KY (#23180)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $244.6 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, 2009)

  • Dollar figures in thousands
  • 48Total employees (full-time equivalent)
  • $245,019Total assets
  • $12,602Cash and due from depository institutions
  • $8,523Interest-bearing balances
  • $96,806Securities
  • $3,565Federal funds sold & reverse repurchase agreements
  • $123,098Net loans & leases
  • $2,092Loan loss allowance
  • $0Trading account assets
  • $2,141Bank premises and fixed assets
  • $245Other real estate owned
  • $0Goodwill and other intangibles
  • $2,342Life insurance assets
  • $6,562All other assets
  • $245,019Total liabilities and capital
  • $230,608Total liabilities
  • $197,758Total deposits
  • $185,350Interest-bearing deposits
  • $197,758Deposits held in domestic offices
  • 93.17%% insured (estimated)
  • $31,112Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,738All other liabilities
  • $14,411Total equity capital
  • $14,411Total bank equity capital
  • $14,411Perpetual preferred stock
  • $0Common stock
  • $250Surplus
  • $9,211Undivided profits
  • Memoranda
  • $4,950Noncurrent loans and leases
  • $3,788Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,650Earning assets
  • $0Long-term assets (5+ years)
  • $1,493Average Assets, year-to-date
  • $231,992Average Assets, quarterly
  • $107,287Volatile liabilities
  • $248,466Insider loans
  • $247,141FHLB advances
  • $75,470Loans and leases held for sale
  • $4,271Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,788Total unused commitments
  • $250Restructured Loans and leases
  • $1,664Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $12,411Total interest income
  • $6,312Total interest expense
  • $6,099Net interest income
  • $1,124Provision for loan and lease losses
  • $1,223Total noninterest income
  • $0Fiduciary activities
  • $892Service charges on deposit accounts
  • $0Trading account gains & fees
  • $331Additional noninterest income
  • $5,718Total noninterest expense
  • $2,441Salaries and employee benefits
  • $604Premises and equipment expense
  • $2,673Additional noninterest expense
  • $480Pre-tax net operating income
  • $562Securities gains (losses)
  • $121Applicable income taxes
  • $921Income before extraordinary items
  • $0Extraordinary gains - net
  • $921Net income attributable to bank
  • $0Net charge-offs
  • $921Cash dividends
  • $699Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.26%Yield on earning assets
  • 2.67%Cost of funding earning assets
  • 2.58%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 0.17%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 7.08%Return on equity (ROE)
  • 7.08%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 160.80%Credit loss provision to net charge-offs
  • 2.29%Efficiency ratio
  • 78,093Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 126.79%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 62.25%Net loans and leases to core deposits
  • 80.25%Equity capital to assets
  • 5.88%Core capital (leverage) ratio
  • 5.46%Tier 1 risk-based capital ratio
  • 10.24%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $248,466Average earning assets
  • $13,001Average equity
  • $236,169Average loans

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