The Woodford Bank and Trust Company in Versailles, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1997

  • The Woodford Bank and Trust Company in Versailles, Kentucky (KY)
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The Woodford Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 295
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Trust Bank, Inc. (#2720)
    Federal Reserve ID: 353416
    Date Established: March 01, 1852
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 238
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 1997
    Last Structure Change Process Date: January 13, 1997
    Last Data Update: January 13, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 North Main Street, Versailles, KY 40383
    County: Woodford
    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: $101.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $30Total assets
  • $101,544Cash and due from depository institutions
  • $2,400Interest-bearing balances
  • $0Securities
  • $35,873Federal funds sold & reverse repurchase agreements
  • $5,150Net loans & leases
  • $54,970Loan loss allowance
  • $1,089Trading account assets
  • $0Bank premises and fixed assets
  • $1,563Other real estate owned
  • $0Goodwill and other intangibles
  • $1,588Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $101,544Total liabilities
  • $93,013Total deposits
  • $89,974Interest-bearing deposits
  • $73,720Deposits held in domestic offices
  • 89974.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $1,895Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,144Total equity capital
  • $1,144Total bank equity capital
  • $8,531Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $3,500Undivided profits
  • Memoranda
  • $4,531Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $94Income earned, not collected on loans
  • $604Earning assets
  • $95,993Long-term assets (5+ years)
  • $12,954Average Assets, year-to-date
  • $102,873Average Assets, quarterly
  • $100,587Volatile liabilities
  • $18,647Insider loans
  • $1,120FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,614Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,337Total risk weighted assets
  • $55,670Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,967Total interest expense
  • $3,577Net interest income
  • $4,390Provision for loan and lease losses
  • $120Total noninterest income
  • $633Fiduciary activities
  • $86Service charges on deposit accounts
  • $351Trading account gains & fees
  • $0Additional noninterest income
  • $196Total noninterest expense
  • $2,674Salaries and employee benefits
  • $1,385Premises and equipment expense
  • $409Additional noninterest expense
  • $880Pre-tax net operating income
  • $2,229Securities gains (losses)
  • $7Applicable income taxes
  • $662Income before extraordinary items
  • $1,574Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,574Net charge-offs
  • $224Cash dividends
  • $1,442Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.22%Cost of funding earning assets
  • 3.69%Net interest margin
  • 4.53%Noninterest income to earning assets
  • 0.65%Noninterest expense to earning assets
  • 2.76%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 2.17%Return on equity (ROE)
  • 18.28%Retained earnings to average equity (YTD only)
  • 1.53%Net charge-offs to loans
  • 0.41%Credit loss provision to net charge-offs
  • 53.57%Efficiency ratio
  • 53,235Assets per employee
  • 3.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.61%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 1158.51%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.17%Net loans and leases to deposits
  • 61.10%Net loans and leases to core deposits
  • 75.07%Equity capital to assets
  • 8.40%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 14.98%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $102,873Average earning assets
  • $8,609Average equity
  • $96,980Average loans

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