Kentucky Bank & Trust
Ashland, KY — Domestic Branch of a Domestic Bank
Acquired May 2003
Vitals
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Total Assets143.6M
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Total Deposits115.4M
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Total Net Loans78.4M
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Net Income236000.0000
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Book Value16.9M
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Book Value x233.7M
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Book Value x350.6M
Balance Sheet Highlights
| Financial Highlights | Kentucky Bank & Trust | All Insured Commercial Banks in Kentucky |
| Balance Sheet $(000) | ||
| Total Assets | 143,611 | 130,140 |
| Total Net Loans | 78,401 | 83,727 |
| Total Deposits | 115,380 | 105,979 |
| Total Equity | 16,866 | 13,048 |
| Profitability | ||
| Net Income | 236 | 539 |
| Return on Average Assets | .75 | 1.203 |
| Return on Average Equity | 5.63 | 12.094 |
| Net Interest Margin | 3.809 | 4.05 |
| Efficiency Ratio | 84.595 | 63.422 |
| Noninterest Income/Revenue | 23.247 | 12.806 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 67.95 | 77.438 |
| Securities/Assets | .269 | .41 |
| Total Equity/Total Assets | .117 | .1 |
| Tangible Equity/Tangible Assets | .117 | .044 |
| Capital Adequacy | ||
| Tier 1 Common Capital | — | — |
| Tier 1 Capital | 16,508 | 12,350 |
| Tier 2 Capital | 612 | 1,011 |
| Total Capital | 17,120 | 13,344 |
| Total Risk Weighted Assets | 88,068 | 84,990 |
| Leverage Ratio | 13.11 | 9.571 |
| Common Equity Tier 1 Capital Ratio | — | — |
| Tier 1 Capital Ratio | 18.74 | 15.066 |
| Total Capital Ratio | 19.44 | 16.229 |
Timeline for Kentucky Bank & Trust
Kentucky Bancshares, Inc.
Kentucky Bancshares, Inc. became a new parent organization for Kentucky Bank & Trust.
View Profile Nov 01 1993
Kentucky Bank & Trust
Kentucky Bank & Trust was established 47 years ago and is currently headquartered in Ashland, KY.
Mar 28 1977| Acquisitions & Mergers | Role | Assets | Acct Method | Type | Transaction Date |
| Peoples Bank | Buyer | 3,355,266 | Acquisition | Discontinued | 5/9/2003 |
| Relationships | Role | Relationship Start | Relationship End |
| Kentucky Bancshares, Inc. | Parent | 11/1/1993 | 5/8/2003 |
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