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

This bank is inactive as of September 11, 1995

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

Liberty National Bank of Shelbyville - Overview

  • General
  • FDIC Certificate #: 9685
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Kentucky, National Association (#14985)
    Federal Reserve ID: 184348
    Date Established: July 31, 1856
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 6198
    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: January 01, 1934
    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: 544 Main Street, Shelbyville, KY 40065
    County: Shelby
    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): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • Financial Summary
  • Total assets: $65.0 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)
  • $28Total assets
  • $64,639Cash and due from depository institutions
  • $11,560Interest-bearing balances
  • $9,996Securities
  • $7,306Federal funds sold & reverse repurchase agreements
  • $7,500Net loans & leases
  • $36,555Loan loss allowance
  • $438Trading account assets
  • $0Bank premises and fixed assets
  • $1,032Other real estate owned
  • $0Goodwill and other intangibles
  • $686Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $64,639Total liabilities
  • $59,709Total deposits
  • $59,050Interest-bearing deposits
  • $52,000Deposits held in domestic offices
  • 59050.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $659Total equity capital
  • $659Total bank equity capital
  • $4,930Perpetual preferred stock
  • $0Common stock
  • $250Surplus
  • $1,650Undivided profits
  • Memoranda
  • $3,030Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $143Income earned, not collected on loans
  • $332Earning assets
  • $61,357Long-term assets (5+ years)
  • $10,903Average Assets, year-to-date
  • $65,383Average Assets, quarterly
  • $63,640Volatile liabilities
  • $10,203Insider loans
  • $526FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,979Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,947Total risk weighted assets
  • $37,227Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,401Total interest expense
  • $2,331Net interest income
  • $2,070Provision for loan and lease losses
  • $55Total noninterest income
  • $557Fiduciary activities
  • $0Service charges on deposit accounts
  • $362Trading account gains & fees
  • $0Additional noninterest income
  • $195Total noninterest expense
  • $1,708Salaries and employee benefits
  • $720Premises and equipment expense
  • $185Additional noninterest expense
  • $803Pre-tax net operating income
  • $864Securities gains (losses)
  • -$496Applicable income taxes
  • $82Income before extraordinary items
  • $286Extraordinary gains - net
  • $0Net income attributable to bank
  • $286Net charge-offs
  • $107Cash dividends
  • $550Sale, 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
  • 7.12%Cost of funding earning assets
  • 3.77%Net interest margin
  • 3.35%Noninterest income to earning assets
  • 0.90%Noninterest expense to earning assets
  • 2.76%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 0.56%Return on equity (ROE)
  • 5.60%Retained earnings to average equity (YTD only)
  • -5.17%Net charge-offs to loans
  • 0.30%Credit loss provision to net charge-offs
  • 51.40%Efficiency ratio
  • 65,017Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 192.31%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 306.29%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 61.91%Net loans and leases to core deposits
  • 74.84%Equity capital to assets
  • 7.63%Core capital (leverage) ratio
  • 7.70%Tier 1 risk-based capital ratio
  • 13.29%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $65,383Average earning assets
  • $5,111Average equity
  • $61,801Average loans

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