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

Morgantown Bank & Trust Company, Incorporated - Overview

  • General
  • FDIC Certificate #: 275
    Status: Active
    Federal Reserve ID: 330949
    Bank Holding Company (Regulatory Top Holder): M.R. Melton Limited Partnership (RSSDID: 2785365, Location: Mount Sterling, KY)
    Date Established: September 01, 1880
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 4, Interstate: No)
    FDIC's unique #: 220
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 N Main Street, Morgantown, KY 42261
    County: Butler
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $136.8 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $112.9 mil
    Return on assets (ROA): 0.48% ($0.7 mil)
    Quarterly return on assets: -0.10% (-$0.1 mil)
    Return on Equity (ROE): 5.06% ($0.7 mil)
    Quarterly return on equity: -1.02% (-$0.1 mil)
    Net income: $0.6 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.56% ($765.9 mil)
    Quarterly Pretax return on assets: -0.30% (-$410.3 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, 2011)

  • Dollar figures in thousands
  • 45Total employees (full-time equivalent)
  • $136,776Total assets
  • $3,360Cash and due from depository institutions
  • $906Interest-bearing balances
  • $27,732Securities
  • $156Federal funds sold & reverse repurchase agreements
  • $97,925Net loans & leases
  • $1,372Loan loss allowance
  • $0Trading account assets
  • $2,993Bank premises and fixed assets
  • $1,010Other real estate owned
  • $0Goodwill and other intangibles
  • $136,776Life insurance assets
  • $3,600All other assets
  • $123,913Total liabilities and capital
  • $112,930Total liabilities
  • $95,444Total deposits
  • $112,930Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,678Trading liabilities
  • $0Other borrowed funds
  • $1,305Subordinated debt
  • $12,863All other liabilities
  • $12,863Total equity capital
  • $12,863Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $6,400Surplus
  • $6,163Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $865Income earned, not collected on loans
  • $0Earning assets
  • $772Long-term assets (5+ years)
  • $126,719Average Assets, year-to-date
  • $44,325Average Assets, quarterly
  • $134,993Volatile liabilities
  • $137,257Insider loans
  • $92,202FHLB advances
  • $139,468Loans and leases held for sale
  • $597Unused loan commitments
  • $597Tier 1 (core) risk-based capital
  • $12,841Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,403Restructured Loans and leases
  • $2,029Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,468Total interest income
  • $1,526Total interest expense
  • $4,942Net interest income
  • $275Provision for loan and lease losses
  • $934Total noninterest income
  • $17Fiduciary activities
  • $612Service charges on deposit accounts
  • $0Trading account gains & fees
  • $305Additional noninterest income
  • $4,850Total noninterest expense
  • $2,495Salaries and employee benefits
  • $590Premises and equipment expense
  • $1,765Additional noninterest expense
  • $751Pre-tax net operating income
  • $0Securities gains (losses)
  • $106Applicable income taxes
  • $645Income before extraordinary items
  • $0Extraordinary gains - net
  • $645Net income attributable to bank
  • $0Net charge-offs
  • $645Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $229Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.89%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 5.06%Return on equity (ROE)
  • 3.26%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 808.82%Credit loss provision to net charge-offs
  • 30.18%Efficiency ratio
  • 82,539Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.50%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 158.61%Noncurrent assets plus other real estate owned to assets
  • 1.37%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 86.71%Net loans and leases to core deposits
  • 89.40%Equity capital to assets
  • 9.40%Core capital (leverage) ratio
  • 9.21%Tier 1 risk-based capital ratio
  • 13.93%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $134,993Average earning assets
  • $12,751Average equity
  • $124,543Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $3,746Managed Assets
  • 1Number of Accounts
  • $3,746Personal trust and agency accounts
  • $3,711Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $35Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 35Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0220Morgantown Bank & Trust Company, Incorporated201 N Main Street, Morgantown, KY 42261September 01, 1880Full Service Brick and Mortar
    1181442Highway 70 BranchU.S. Highway 70 & State Highway 403, Morgantown, KY 42261December 06, 1971Full Service Brick and Mortar
    3181444Morgan Manor Branch795 South Main Street, Morgantown, KY 42261November 14, 1996Full Service Brick and Mortar
    4511441Bowling Green Branch1848 Morgantown Road, Bowling Green, KY 42101March 08, 2010Full Service Brick and Mortar
    5529520Bowling Green - Christian Care Way1840 Christian Care Way, Suite 3, Bowling Green, KY 42101Febuary 27, 2012Full Service Brick and Mortar

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