Liberty National Bank and Trust Company of Central Kentucky in Elizabethtown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 11, 1995

  • Liberty National Bank and Trust Company of Central Kentucky in Elizabethtown, Kentucky (KY)
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Liberty National Bank and Trust Company of Central Kentucky - Overview

  • General
  • FDIC Certificate #: 22179
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Kentucky, National Association (#14985)
    Federal Reserve ID: 174143
    Date Established: December 15, 1975
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    FDIC's unique #: 15410
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: December 15, 1975
    Last Structure Change Effective Date: September 11, 1995
    Last Structure Change Process Date: September 27, 1995
    Last Data Update: September 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1200 North Dixie Highway, Elizabethtown, KY 42701
    County: Hardin
    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): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Elizabethtown, KY (#21060)
    CBSA Metro Statistical Area: Elizabethtown, KY (#21060)
  • Financial Summary
  • Total assets: $218.6 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)
  • $115Total assets
  • $228,153Cash and due from depository institutions
  • $23,353Interest-bearing balances
  • $14,994Securities
  • $23,377Federal funds sold & reverse repurchase agreements
  • $14,924Net loans & leases
  • $155,520Loan loss allowance
  • $3,002Trading account assets
  • $0Bank premises and fixed assets
  • $2,541Other real estate owned
  • $178Goodwill and other intangibles
  • $2,468Life insurance assets
  • $5,792All other assets
  • $0Total liabilities and capital
  • $228,153Total liabilities
  • $202,484Total deposits
  • $199,758Interest-bearing deposits
  • $170,066Deposits held in domestic offices
  • 199758.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $655Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $2,071Total equity capital
  • $2,071Total bank equity capital
  • $25,669Perpetual preferred stock
  • $0Common stock
  • $3,754Surplus
  • $15,600Undivided profits
  • Memoranda
  • $6,315Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $742Income earned, not collected on loans
  • $1,172Earning assets
  • $208,815Long-term assets (5+ years)
  • $41,206Average Assets, year-to-date
  • $223,432Average Assets, quarterly
  • $224,656Volatile liabilities
  • $30,485Insider loans
  • $4,224FHLB advances
  • $0Loans and leases held for sale
  • $142Unused loan commitments
  • $12,040Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $20,038Total risk weighted assets
  • $145,431Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $15,818Total interest expense
  • $6,913Net interest income
  • $8,905Provision for loan and lease losses
  • $12Total noninterest income
  • $2,582Fiduciary activities
  • $1Service charges on deposit accounts
  • $1,111Trading account gains & fees
  • $0Additional noninterest income
  • $1,470Total noninterest expense
  • $7,624Salaries and employee benefits
  • $3,048Premises and equipment expense
  • $1,141Additional noninterest expense
  • $3,435Pre-tax net operating income
  • $3,851Securities gains (losses)
  • -$709Applicable income taxes
  • $1,184Income before extraordinary items
  • $1,958Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,958Net charge-offs
  • $102Cash dividends
  • $432Sale, 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
  • 7.74%Cost of funding earning assets
  • 3.38%Net interest margin
  • 4.35%Noninterest income to earning assets
  • 1.26%Noninterest expense to earning assets
  • 3.73%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 1.41%Return on equity (ROE)
  • 7.81%Retained earnings to average equity (YTD only)
  • 6.08%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 11.76%Efficiency ratio
  • 62,566Assets per employee
  • 1.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.06%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 404.58%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 77.85%Net loans and leases to core deposits
  • 91.52%Equity capital to assets
  • 11.25%Core capital (leverage) ratio
  • 9.34%Tier 1 risk-based capital ratio
  • 13.78%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $223,432Average earning assets
  • $25,083Average equity
  • $204,485Average loans

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