Wilson & Muir Bank & Trust Company in Bardstown, Kentucky (KY)

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Wilson & Muir Bank & Trust Company routing number info

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Wilson & Muir Bank & Trust Company
GeneralFDIC Certificate #: 17040
Status: Active
Federal Reserve ID: 899343
Bank Holding Company (Regulatory Top Holder): Wilson & Muir Bancorp, Inc. (RSSDID: 1099122, Location: Bardstown, KY)
Date Established: December 18, 1865
WWW: http://www.wilsonmuirbank.com
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 #: 10872
FDIC's unique #: 11103
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: September 24, 1951
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
LocationAddress: 101 North 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $408.8 mil
Equity capital: $37.2 mil
Deposits held in domestic offices: $353.6 mil
Return on assets (ROA): 1.46% ($6.0 mil)
Quarterly return on assets: 1.49% ($6.1 mil)
Return on Equity (ROE): 16.36% ($6.1 mil)
Quarterly return on equity: 16.26% ($6.0 mil)
Net income: $5.8 mil
Quarterly Net income: $1.5 mil
Pretax return on assets: 1.46% ($5,968.9 mil)
Quarterly Pretax return on assets: 1.49% ($6,091.6 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)
Total employees (full-time equivalent)128
Total assets$408,832
Cash and due from depository institutions$28,458
Interest-bearing balances$20,263
Federal funds sold & reverse repurchase agreements$10,127
Net loans & leases$253,940
Loan loss allowance $3,425
Trading account assets$0
Bank premises and fixed assets$8,825
Other real estate owned$786
Goodwill and other intangibles$0
All other assets$8,422
Life insurance assets$408,832
Total liabilities and capital$371,588
Total liabilities$353,633
Total deposits$324,842
Interest-bearing deposits$353,633
Deposits held in domestic offices$87
% insured (estimated)14339.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,046
Other borrowed funds $0
Subordinated debt $1,570
All other liabilities $37,244
Total equity capital$37,244
Total bank equity capital$37,244
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $22,075
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,472
Income earned, not collected on loans $6,740
Earning assets $0
Long-term assets (5+ years) $1,651
Average Assets, year-to-date $382,604
Average Assets, quarterly $144,477
Volatile liabilities $399,762
Insider loans $399,218
FHLB advances $283,004
Loans and leases held for sale $409,006
Unused loan commitments $4,718
Tier 1 (core) risk-based capital $4,718
Tier 2 risk-based capital $34,847
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $40,914
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,891
Total interest expense $2,183
Net interest income $15,708
Provision for loan and lease losses $1,250
Total noninterest income $3,064
Fiduciary activities $0
Service charges on deposit accounts $1,472
Trading account gains & fees $0
Additional noninterest income $1,592
Total noninterest expense $11,699
Salaries and employee benefits $6,704
Premises and equipment expense $1,061
Additional noninterest expense $3,934
Pre-tax net operating income $5,823
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $5,823
Extraordinary gains - net $0
Net income attributable to bank $5,823
Net charge-offs $0
Cash dividends $5,823
Sale, conversion, retirement of capital stock, net $550
Net operating income $5,489
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.78%
Cost of funding earning assets 0.58%
Net interest margin 4.19%
Noninterest income to earning assets 0.82%
Noninterest expense to earning assets 3.12%
Net operating income to assets 1.46%
Return on assets (ROA) 1.46%
Pretax return on assets 1.46%
Return on equity (ROE) 16.36%
Retained earnings to average equity (YTD only) 0.94%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 227.27%
Efficiency ratio12.86%
Assets per employee$62,322
Cash dividends to net income (YTD only)3.19%
Condition Ratios (%)
Loss allowance to loans 94.26%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 50.82%
Noncurrent loans to loans 1.84%
Net loans and leases to deposits2.62%
Net loans and leases to core deposits 71.81%
Equity capital to assets 75.96%
Core capital (leverage) ratio 9.11%
Tier 1 risk-based capital ratio 8.52%
Total risk-based capital ratio 12.31%
Average assets$14
Average earning assets$399,762
Average equity $35,585
Average loans $374,650
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$142
Number of Accounts1
Personal trust and agency accounts$142
Employee benefit-defined contribution accounts$142
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
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
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11 Kentucky Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011103Wilson & Muir Bank & Trust Company101 North Third Street, Bardstown, KY 40004December 18, 1865Full Service Brick and Mortar
1240218Bloomfield BranchMain Street, Bloomfield, KY 40008December 02, 1982Full Service Brick and Mortar
2234948Drive-In FacilityChaplin Road, Bloomfield, KY 40008November 10, 1967Limited Service Facility
3234949Plaza Branch101 Padgett Street, Bardstown, KY 40004January 05, 1976Full Service Brick and Mortar
47261Vine Grove BranchMain Street, Vine Grove, KY 40175January 01, 1893Full Service Brick and Mortar
5224411Elizabethtown Branch250 West Dixie Avenue, Elizabethtown, KY 42701January 22, 1996Full Service Brick and Mortar
65165Leitchfield Main Street Branch118 South Main Street, Leitchfield, KY 42754Febuary 02, 1907Full Service Brick and Mortar
7217939Big Clifty Branch9790 Elizabethtown Rd, Big Clifty, KY 42712November 10, 1969Full Service Brick and Mortar
8217940Leitchfield Elizabethtown Road Branc1315 Elizabethtown Road, Leitchfield, KY 42754Febuary 26, 1992Full Service Brick and Mortar
9443338St. Matthews Branch130 St. Matthews Avenue, Louisville, KY 40207December 06, 2004Full Service Brick and Mortar
10446972Culpeper Branch101 Culpeper Ave, Bardstown, KY 40004August 15, 2005Full Service Brick and Mortar
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