Liberty National Bank of Lexington in Lexington, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1993

  • Liberty National Bank of Lexington in Lexington, Kentucky (KY)
  • Show street view No street view available for this location

Liberty National Bank of Lexington - Overview

  • General
  • FDIC Certificate #: 19586
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Kentucky, National Association (#14985)
    Federal Reserve ID: 214816
    Date Established: May 16, 1966
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Interstate: No)
    FDIC's unique #: 13385
    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: May 16, 1966
    Last Structure Change Effective Date: October 01, 1993
    Last Structure Change Process Date: October 13, 1993
    Last Data Update: October 13, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 251 West Vine Street, Lexington, KY 40507
    County: Fayette
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Lexington, KY (#4280)
    Combined Statistical Area (CSA): Lexington-Fayette-Frankfort-Richmond, KY (#336)
    Core Based Statistical Area (CBSA): Lexington-Fayette, KY (#30460)
    CBSA Metro Statistical Area: Lexington-Fayette, KY (#30460)
  • Financial Summary
  • Total assets: $265.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $135Total assets
  • $251,385Cash and due from depository institutions
  • $15,057Interest-bearing balances
  • $0Securities
  • $65,958Federal funds sold & reverse repurchase agreements
  • $3,050Net loans & leases
  • $143,466Loan loss allowance
  • $3,131Trading account assets
  • $0Bank premises and fixed assets
  • $3,777Other real estate owned
  • $2,663Goodwill and other intangibles
  • $2,503Life insurance assets
  • $14,911All other assets
  • $0Total liabilities and capital
  • $251,385Total liabilities
  • $223,140Total deposits
  • $219,407Interest-bearing deposits
  • $182,232Deposits held in domestic offices
  • 219407.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $498Trading liabilities
  • $0Other borrowed funds
  • $1,552Subordinated debt
  • $0All other liabilities
  • $1,683Total equity capital
  • $1,683Total bank equity capital
  • $28,245Perpetual preferred stock
  • $0Common stock
  • $3,050Surplus
  • $28,461Undivided profits
  • Memoranda
  • $-3,266Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,778Income earned, not collected on loans
  • $828Earning assets
  • $212,474Long-term assets (5+ years)
  • $14,298Average Assets, year-to-date
  • $245,280Average Assets, quarterly
  • $248,965Volatile liabilities
  • $19,663Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $14,596Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,334Total risk weighted assets
  • $153,181Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $18,586Total interest expense
  • $8,380Net interest income
  • $10,206Provision for loan and lease losses
  • $3,846Total noninterest income
  • $2,663Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,540Trading account gains & fees
  • $0Additional noninterest income
  • $1,123Total noninterest expense
  • $12,295Salaries and employee benefits
  • $4,029Premises and equipment expense
  • $2,399Additional noninterest expense
  • $5,867Pre-tax net operating income
  • -$3,272Securities gains (losses)
  • $93Applicable income taxes
  • -$733Income before extraordinary items
  • -$2,446Extraordinary gains - net
  • $0Net income attributable to bank
  • -$2,446Net charge-offs
  • $3,695Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.86%Cost of funding earning assets
  • 3.99%Net interest margin
  • 4.86%Noninterest income to earning assets
  • 1.27%Noninterest expense to earning assets
  • 5.86%Net operating income to assets
  • -1.03%Return on assets (ROA)
  • -1.00%Pretax return on assets
  • -1.30%Return on equity (ROE)
  • -8.59%Retained earnings to average equity (YTD only)
  • -8.59%Net charge-offs to loans
  • 2.41%Credit loss provision to net charge-offs
  • 104.09%Efficiency ratio
  • 86,945Assets per employee
  • 1.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 82.87%Noncurrent assets plus other real estate owned to assets
  • 2.56%Noncurrent loans to loans
  • 2.58%Net loans and leases to deposits
  • 65.39%Net loans and leases to core deposits
  • 71.19%Equity capital to assets
  • 11.24%Core capital (leverage) ratio
  • 5.77%Tier 1 risk-based capital ratio
  • 8.70%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $245,280Average earning assets
  • $28,465Average equity
  • $209,818Average loans

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