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

This bank is inactive as of November 10, 1995

  • Liberty Bank & Trust Company in Mayfield, Kentucky (KY)
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Liberty Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 17560
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Union Planters Bank of Kentucky, National Association (#2763)
    Federal Reserve ID: 448246
    Date Established: March 01, 1956
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 9955
    FDIC's unique #: 11534
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 01, 1956
    Last Structure Change Effective Date: November 10, 1995
    Last Structure Change Process Date: December 27, 1995
    Last Data Update: December 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Highway 121, South, Mayfield, KY 42066
    County: Graves
    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
    Combined Statistical Area (CSA): Paducah-Mayfield, KY-IL (#424)
    Core Based Statistical Area (CBSA): Mayfield, KY (#32460)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $154.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $70Total assets
  • $144,217Cash and due from depository institutions
  • $7,061Interest-bearing balances
  • $33Securities
  • $51,893Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $80,577Loan loss allowance
  • $1,008Trading account assets
  • $0Bank premises and fixed assets
  • $2,818Other real estate owned
  • $0Goodwill and other intangibles
  • $1,868Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $144,217Total liabilities
  • $132,740Total deposits
  • $120,895Interest-bearing deposits
  • $108,012Deposits held in domestic offices
  • 120895.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $6,910Subordinated debt
  • $0All other liabilities
  • $935Total equity capital
  • $935Total bank equity capital
  • $11,477Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $3,000Undivided profits
  • Memoranda
  • $7,477Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $69Income earned, not collected on loans
  • $522Earning assets
  • $132,503Long-term assets (5+ years)
  • $42,521Average Assets, year-to-date
  • $142,357Average Assets, quarterly
  • $142,460Volatile liabilities
  • $9,450Insider loans
  • $913FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,107Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,153Total risk weighted assets
  • $90,521Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,750Total interest expense
  • $4,540Net interest income
  • $5,210Provision for loan and lease losses
  • $120Total noninterest income
  • $443Fiduciary activities
  • $15Service charges on deposit accounts
  • $296Trading account gains & fees
  • $0Additional noninterest income
  • $132Total noninterest expense
  • $3,687Salaries and employee benefits
  • $1,874Premises and equipment expense
  • $494Additional noninterest expense
  • $1,319Pre-tax net operating income
  • $1,846Securities gains (losses)
  • $56Applicable income taxes
  • $487Income before extraordinary items
  • $1,415Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,415Net charge-offs
  • $9Cash dividends
  • $1,451Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.39%Cost of funding earning assets
  • 3.44%Net interest margin
  • 3.95%Noninterest income to earning assets
  • 0.34%Noninterest expense to earning assets
  • 2.80%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 0.99%Pretax return on assets
  • 1.34%Return on equity (ROE)
  • 10.90%Retained earnings to average equity (YTD only)
  • -0.28%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 1333.33%Efficiency ratio
  • 65,222Assets per employee
  • 2.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 102.54%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 1460.87%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 66.65%Net loans and leases to core deposits
  • 69.80%Equity capital to assets
  • 7.96%Core capital (leverage) ratio
  • 9.28%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $142,357Average earning assets
  • $12,982Average equity
  • $131,847Average loans

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