The First National Bank of Carrollton in Carrollton, Kentucky (KY)
| The First National Bank of Carrollton | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 24 |
| Total assets | $96,106 |
| Cash and due from depository institutions | $9,815 |
| Interest-bearing balances | $7,309 |
| Securities | $19,185 |
| Federal funds sold & reverse repurchase agreements | $2,086 |
| Net loans & leases | $62,491 |
| Loan loss allowance | $850 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,072 |
| Other real estate owned | $98 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,359 |
| Life insurance assets | $96,106 |
| Total liabilities and capital | $85,711 |
| Total liabilities | $84,605 |
| Total deposits | $72,273 |
| Interest-bearing deposits | $84,605 |
| Deposits held in domestic offices | $92 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,106 |
| All other liabilities | $10,395 |
| Total equity capital | $10,395 |
| Total bank equity capital | $10,395 |
| Perpetual preferred stock | $0 |
| Common stock | $200 |
| Surplus | $200 |
| Undivided profits | $9,995 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,339 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $400 |
| Average Assets, year-to-date | $91,071 |
| Average Assets, quarterly | $37,701 |
| Volatile liabilities | $95,286 |
| Insider loans | $95,974 |
| FHLB advances | $53,610 |
| Loans and leases held for sale | $97,429 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $10,945 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $2,647 |
| Derivatives | $477 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,599 |
| Total interest expense | $958 |
| Net interest income | $3,641 |
| Provision for loan and lease losses | $330 |
| Total noninterest income | $804 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $524 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $280 |
| Total noninterest expense | $2,684 |
| Salaries and employee benefits | $1,272 |
| Premises and equipment expense | $229 |
| Additional noninterest expense | $1,183 |
| Pre-tax net operating income | $1,431 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $444 |
| Income before extraordinary items | $987 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $987 |
| Net charge-offs | $0 |
| Cash dividends | $987 |
| Sale, conversion, retirement of capital stock, net | $155 |
| Net operating income | $357 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.10% |
| Cost of funding earning assets | 1.06% |
| Net interest margin | 4.04% |
| Noninterest income to earning assets | 0.89% |
| Noninterest expense to earning assets | 2.98% |
| Net operating income to assets | 1.04% |
| Return on assets (ROA) | 1.04% |
| Pretax return on assets | 1.50% |
| Return on equity (ROE) | 9.55% |
| Retained earnings to average equity (YTD only) | 6.09% |
| Net charge-offs to loans | 0.24% |
| Credit loss provision to net charge-offs | 212.90% |
| Efficiency ratio | 11.36% |
| Assets per employee | $60,382 |
| Cash dividends to net income (YTD only) | 4.00% |
| Condition Ratios (%) | |
| Loss allowance to loans | 36.17% |
| Loss allowance to noncurrent loans | 1.34% |
| Noncurrent assets plus other real estate owned to assets | 63.48% |
| Noncurrent loans to loans | 1.50% |
| Net loans and leases to deposits | 2.11% |
| Net loans and leases to core deposits | 73.86% |
| Equity capital to assets | 86.75% |
| Core capital (leverage) ratio | 10.82% |
| Tier 1 risk-based capital ratio | 11.23% |
| Total risk-based capital ratio | 20.42% |
| Memoranda | |
| Average assets | $22 |
| Average earning assets | $95,286 |
| Average equity | $10,340 |
| Average loans | $90,103 |
| Total Fiduciary and Related Assets (December 31, 2004) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $50 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $50 |
| Employee benefit-defined contribution accounts | $49 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $1 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 2 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 2 Kentucky Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1775 | The First National Bank Of Carrollto | 604 Highland Avenue, Carrollton, KY 41008 | January 01, 1881 | Full Service Brick and Mortar |  |
| 1 | 194030 | Highway 227 Branch | 2639 Highway 227, Carrollton, KY 41008 | September 21, 1998 | Full Service Brick and Mortar |  |
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