The First National Bank of Carrollton in Carrollton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of Carrollton - Overview

  • General
  • FDIC Certificate #: 2735
    Status: Active
    Federal Reserve ID: 907444
    Bank Holding Company (Regulatory Top Holder): Port William Bancshares, Inc. (RSSDID: 2744849, Location: Carrollton, KY)
    Date Established: January 01, 1881
    WWW: http://www.fnbcarrollton.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14512
    FDIC's unique #: 1775
    Numeric code: 3
    Regulator: OCC
    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: No
    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: 604 Highland Avenue, Carrollton, KY 41008
    County: Carroll
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $96.1 mil
    Equity capital: $10.4 mil
    Deposits held in domestic offices: $84.6 mil
    Return on assets (ROA): 1.04% ($1.0 mil)
    Quarterly return on assets: 1.00% ($1.0 mil)
    Return on Equity (ROE): 9.55% ($1.0 mil)
    Quarterly return on equity: 9.27% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.50% ($1,441.6 mil)
    Quarterly Pretax return on assets: 1.41% ($1,355.1 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
  • 24Total employees (full-time equivalent)
  • $96,106Total assets
  • $9,815Cash and due from depository institutions
  • $7,309Interest-bearing balances
  • $19,185Securities
  • $2,086Federal funds sold & reverse repurchase agreements
  • $62,491Net loans & leases
  • $850Loan loss allowance
  • $0Trading account assets
  • $1,072Bank premises and fixed assets
  • $98Other real estate owned
  • $0Goodwill and other intangibles
  • $96,106Life insurance assets
  • $1,359All other assets
  • $85,711Total liabilities and capital
  • $84,605Total liabilities
  • $72,273Total deposits
  • $84,605Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,106Subordinated debt
  • $10,395All other liabilities
  • $10,395Total equity capital
  • $10,395Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $200Surplus
  • $9,995Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,339Income earned, not collected on loans
  • $0Earning assets
  • $400Long-term assets (5+ years)
  • $91,071Average Assets, year-to-date
  • $37,701Average Assets, quarterly
  • $95,286Volatile liabilities
  • $95,974Insider loans
  • $53,610FHLB advances
  • $97,429Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,945Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,647Restructured Loans and leases
  • $477Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,599Total interest income
  • $958Total interest expense
  • $3,641Net interest income
  • $330Provision for loan and lease losses
  • $804Total noninterest income
  • $0Fiduciary activities
  • $524Service charges on deposit accounts
  • $0Trading account gains & fees
  • $280Additional noninterest income
  • $2,684Total noninterest expense
  • $1,272Salaries and employee benefits
  • $229Premises and equipment expense
  • $1,183Additional noninterest expense
  • $1,431Pre-tax net operating income
  • $0Securities gains (losses)
  • $444Applicable income taxes
  • $987Income before extraordinary items
  • $0Extraordinary gains - net
  • $987Net income attributable to bank
  • $0Net charge-offs
  • $987Cash dividends
  • $155Sale, conversion, retirement of capital stock, net
  • $357Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.98%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 9.55%Return on equity (ROE)
  • 6.09%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 212.90%Credit loss provision to net charge-offs
  • 11.36%Efficiency ratio
  • 60,382Assets per employee
  • 4.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.17%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 63.48%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 2.11%Net loans and leases to deposits
  • 73.86%Net loans and leases to core deposits
  • 86.75%Equity capital to assets
  • 10.82%Core capital (leverage) ratio
  • 11.23%Tier 1 risk-based capital ratio
  • 20.42%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $95,286Average earning assets
  • $10,340Average equity
  • $90,103Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $50Managed Assets
  • 1Number of Accounts
  • $50Personal trust and agency accounts
  • $49Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number 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

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01775The First National Bank Of Carrollto604 Highland Avenue, Carrollton, KY 41008January 01, 1881Full Service Brick and Mortar
    1194030Highway 227 Branch2639 Highway 227, Carrollton, KY 41008September 21, 1998Full Service Brick and Mortar

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