Town & Country Bank and Trust Company in Bardstown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

Town & Country Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 15703
    Status: Active
    Federal Reserve ID: 692946
    Bank Holding Company (Regulatory Top Holder): First Farmers Bank Holding Company (RSSDID: 1100112, Location: Bardstown, KY)
    Date Established: September 09, 1907
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 11172
    FDIC's unique #: 9970
    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: Commercial Lending Specialization
    Date of Deposit Insurance: November 25, 1939
    Last Structure Change Effective Date: January 10, 2009
    Last Structure Change Process Date: Febuary 02, 2009
    Last Data Update: Febuary 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 N. Third Street, Bardstown, KY 40004
    County: Nelson
    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
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $378.2 mil
    Equity capital: $35.3 mil
    Deposits held in domestic offices: $310.5 mil
    Return on assets (ROA): -2.25% (-$8.5 mil)
    Quarterly return on assets: -4.23% (-$16.0 mil)
    Return on Equity (ROE): -24.33% (-$8.5 mil)
    Quarterly return on equity: -43.67% (-$15.3 mil)
    Net income: -$9.2 mil
    Quarterly Net income: -$4.1 mil
    Pretax return on assets: -3.37% (-$12,746.4 mil)
    Quarterly Pretax return on assets: -6.25% (-$23,639.4 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
  • 129Total employees (full-time equivalent)
  • $378,231Total assets
  • $61,216Cash and due from depository institutions
  • $48,049Interest-bearing balances
  • $38,085Securities
  • $4,542Federal funds sold & reverse repurchase agreements
  • $243,339Net loans & leases
  • $13,386Loan loss allowance
  • $0Trading account assets
  • $9,871Bank premises and fixed assets
  • $7,474Other real estate owned
  • $233Goodwill and other intangibles
  • $378,231Life insurance assets
  • $13,471All other assets
  • $342,938Total liabilities and capital
  • $310,509Total liabilities
  • $246,491Total deposits
  • $310,509Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,861Trading liabilities
  • $0Other borrowed funds
  • $2,568Subordinated debt
  • $35,293All other liabilities
  • $35,293Total equity capital
  • $35,293Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $24,404Surplus
  • $9,889Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $21,203Income earned, not collected on loans
  • $0Earning assets
  • $1,185Long-term assets (5+ years)
  • $334,015Average Assets, year-to-date
  • $85,282Average Assets, quarterly
  • $410,212Volatile liabilities
  • $385,344Insider loans
  • $251,253FHLB advances
  • $378,354Loans and leases held for sale
  • $236Unused loan commitments
  • $236Tier 1 (core) risk-based capital
  • $26,884Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,943Restructured Loans and leases
  • $1,550Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,404Total interest income
  • $4,274Total interest expense
  • $13,130Net interest income
  • $12,990Provision for loan and lease losses
  • $2,535Total noninterest income
  • $1,533Fiduciary activities
  • $1,548Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$546Additional noninterest income
  • $16,583Total noninterest expense
  • $7,559Salaries and employee benefits
  • $1,994Premises and equipment expense
  • $7,030Additional noninterest expense
  • -$13,908Pre-tax net operating income
  • $94Securities gains (losses)
  • -$4,593Applicable income taxes
  • -$9,221Income before extraordinary items
  • $0Extraordinary gains - net
  • -$9,221Net income attributable to bank
  • $0Net charge-offs
  • -$9,221Cash dividends
  • $9,183Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 4.46%Noninterest expense to earning assets
  • -2.26%Net operating income to assets
  • -2.25%Return on assets (ROA)
  • -3.37%Pretax return on assets
  • -24.33%Return on equity (ROE)
  • -24.33%Retained earnings to average equity (YTD only)
  • 3.06%Net charge-offs to loans
  • 141.46%Credit loss provision to net charge-offs
  • -0.10%Efficiency ratio
  • 105,560Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.21%Loss allowance to noncurrent loans
  • 63.13%Noncurrent assets plus other real estate owned to assets
  • 7.58%Noncurrent loans to loans
  • 8.26%Net loans and leases to deposits
  • 78.37%Net loans and leases to core deposits
  • 80.81%Equity capital to assets
  • 9.33%Core capital (leverage) ratio
  • 7.11%Tier 1 risk-based capital ratio
  • 10.70%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $410,212Average earning assets
  • $37,907Average equity
  • $371,490Average 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
  • $282,040Managed Assets
  • 1Number of Accounts
  • $282,040Personal trust and agency accounts
  • $139,946Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $49,316Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $92,778Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 275Number 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

  • 11 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09970Town & Country Bank And Trust Compan201 N. Third Street, Bardstown, KY 40004September 09, 1907Full Service Brick and Mortar
    1235053Bardstown Plaza Branch237 Nelson Plaza, Bardstown, KY 40004Febuary 02, 1976Full Service Brick and Mortar
    2221New Haven BranchMain Street, New Haven, KY 40051June 05, 1905Full Service Brick and Mortar
    3235054West John Rowan Boulevard Branch90 West John Rowan Boulevard, Bardstown, KY 40004October 31, 1990Full Service Brick and Mortar
    4431153Georgetown Branch101 Canewood Center Drive, Georgetown, KY 40324August 05, 2004Full Service Brick and Mortar
    5445959Versailles Branch116 North Main Street, Versailles, KY 40383October 24, 2005Full Service Brick and Mortar
    6455793Hunters Village Branch4181 New Shepherdsville Road, Bardstown, KY 40004October 09, 2006Full Service Brick and Mortar
    7478286Village Park Drive Branch101 Village Park Drive, Georgetown, KY 40324July 07, 2008Full Service Brick and Mortar
    8480776Brannon Road Branch3082 Brannon Road, Nicholasville, KY 40356August 25, 2008Full Service Brick and Mortar
    9194074Lawrenceburg BranchU.S. Highways 127, Lawrenceburg, KY 40342November 01, 1982Full Service Brick and Mortar
    10194075100 Main Street Branch100 Main Street, Lawrenceburg, KY 40342January 02, 1997Full Service Brick and Mortar

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