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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Woodford Bank and Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents