Wilson & Muir Bank & Trust Company in Bardstown, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


Wilson & Muir Bank & Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 128Total employees (full-time equivalent)
  • $408,832Total assets
  • $28,458Cash and due from depository institutions
  • $20,263Interest-bearing balances
  • $98,274Securities
  • $10,127Federal funds sold & reverse repurchase agreements
  • $253,940Net loans & leases
  • $3,425Loan loss allowance
  • $0Trading account assets
  • $8,825Bank premises and fixed assets
  • $786Other real estate owned
  • $0Goodwill and other intangibles
  • $408,832Life insurance assets
  • $8,422All other assets
  • $371,588Total liabilities and capital
  • $353,633Total liabilities
  • $324,842Total deposits
  • $353,633Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 14339.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,046Trading liabilities
  • $0Other borrowed funds
  • $1,570Subordinated debt
  • $37,244All other liabilities
  • $37,244Total equity capital
  • $37,244Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $14,169Surplus
  • $22,075Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,472Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,740Income earned, not collected on loans
  • $0Earning assets
  • $1,651Long-term assets (5+ years)
  • $382,604Average Assets, year-to-date
  • $144,477Average Assets, quarterly
  • $399,762Volatile liabilities
  • $399,218Insider loans
  • $283,004FHLB advances
  • $409,006Loans and leases held for sale
  • $4,718Unused loan commitments
  • $4,718Tier 1 (core) risk-based capital
  • $34,847Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $40,914Restructured Loans and leases
  • $13,765Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,891Total interest income
  • $2,183Total interest expense
  • $15,708Net interest income
  • $1,250Provision for loan and lease losses
  • $3,064Total noninterest income
  • $0Fiduciary activities
  • $1,472Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,592Additional noninterest income
  • $11,699Total noninterest expense
  • $6,704Salaries and employee benefits
  • $1,061Premises and equipment expense
  • $3,934Additional noninterest expense
  • $5,823Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $5,823Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,823Net income attributable to bank
  • $0Net charge-offs
  • $5,823Cash dividends
  • $550Sale, conversion, retirement of capital stock, net
  • $5,489Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 16.36%Return on equity (ROE)
  • 0.94%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 227.27%Credit loss provision to net charge-offs
  • 12.86%Efficiency ratio
  • 62,322Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.26%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 50.82%Noncurrent assets plus other real estate owned to assets
  • 1.84%Noncurrent loans to loans
  • 2.62%Net loans and leases to deposits
  • 71.81%Net loans and leases to core deposits
  • 75.96%Equity capital to assets
  • 9.11%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 12.31%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $399,762Average earning assets
  • $35,585Average equity
  • $374,650Average 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
  • $142Managed Assets
  • 1Number of Accounts
  • $142Personal trust and agency accounts
  • $142Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number 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
    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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