Home > The Garrard Bank & Trust Company > Assets and Liabilities
The Garrard Bank & Trust Company, Assets and Liabilities
| 1996-12-31 | Rank | |
| # of Employees: | 18 | 7,879 |
| Assets and Liabilities | ||
| Total Assets: | $45,720,000 | 7,620 |
| Cash and due from depository institutions | $1,163,000 | 7,879 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $15,950,000 | 6,177 |
| Federal funds sold & reverse repurchase agreements | $455,000 | 7,557 |
| Net loans & leases | $26,736,000 | 7,392 |
| Loan loss allowance | $547,000 | 5,557 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $738,000 | 6,971 |
| Other real estate owned | $0 | 7,879 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $678,000 | 7,761 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $45,720,000 | 7,620 |
| Total liabilities | $42,812,000 | 7,414 |
| Total deposits | $41,493,000 | 7,356 |
| Interest-bearing deposits | $35,483,000 | 7,366 |
| Deposits held in domestic offices | $41,493,000 | 7,350 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,024,000 | 2,732 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $295,000 | 7,931 |
| Total equity capital | $2,908,000 | 9,347 |
| Total bank equity capital | $2,908,000 | 9,347 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $100,000 | 8,632 |
| Surplus | $1,900,000 | 5,718 |
| Undivided profits | $908,000 | 9,041 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $176,000 | 6,974 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $495,000 | 4,697 |
| Earning assets | $43,141,000 | 7,489 |
| Long-term assets (5+ years) | $7,166,000 | 5,004 |
| Average Assets, year-to-date | $44,319,800 | 7,589 |
| Average Assets, quarterly | $44,941,000 | 7,644 |
| Volatile liabilities | $6,099,000 | 6,465 |
| Insider loans | $605,000 | 5,002 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,075,000 | 7,371 |
| Tier 1 (core) risk-based capital | $2,791,000 | 9,416 |
| Tier 2 risk-based capital | $351,160 | 6,610 |
| Total risk weighted assets | $27,897,160 | 7,374 |
| Total unused commitments | $2,075,000 | 7,387 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 18 | 8,186 |
| Assets and Liabilities | ||
| Total Assets: | $43,592,000 | 8,011 |
| Cash and due from depository institutions | $1,263,000 | 8,186 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $16,643,000 | 6,283 |
| Federal funds sold & reverse repurchase agreements | $465,000 | 8,405 |
| Net loans & leases | $23,740,000 | 7,927 |
| Loan loss allowance | $515,000 | 5,926 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $754,000 | 7,022 |
| Other real estate owned | $0 | 8,186 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $727,000 | 7,724 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $43,592,000 | 8,011 |
| Total liabilities | $40,561,000 | 7,839 |
| Total deposits | $39,339,000 | 7,796 |
| Interest-bearing deposits | $32,834,000 | 7,896 |
| Deposits held in domestic offices | $39,339,000 | 7,792 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $862,000 | 2,794 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $360,000 | 7,597 |
| Total equity capital | $3,031,000 | 9,461 |
| Total bank equity capital | $3,031,000 | 9,461 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $100,000 | 9,051 |
| Surplus | $1,900,000 | 5,786 |
| Undivided profits | $1,031,000 | 9,215 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $24,000 | 10,001 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $517,000 | 4,590 |
| Earning assets | $40,848,000 | 7,890 |
| Long-term assets (5+ years) | $9,122,000 | 4,277 |
| Average Assets, year-to-date | $42,581,000 | 7,925 |
| Average Assets, quarterly | $42,831,000 | 8,030 |
| Volatile liabilities | $5,584,000 | 6,554 |
| Insider loans | $548,000 | 5,407 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $1,947,000 | 7,496 |
| Tier 1 (core) risk-based capital | $2,786,000 | 9,665 |
| Tier 2 risk-based capital | $316,860 | 7,116 |
| Total risk weighted assets | $25,150,560 | 7,906 |
| Total unused commitments | $1,947,000 | 7,510 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 19 | 8,329 |
| Assets and Liabilities | ||
| Total Assets: | $42,767,000 | 8,212 |
| Cash and due from depository institutions | $1,403,000 | 8,329 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $15,841,000 | 6,878 |
| Federal funds sold & reverse repurchase agreements | $90,000 | 8,152 |
| Net loans & leases | $23,718,000 | 8,042 |
| Loan loss allowance | $496,000 | 6,229 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $810,000 | 6,860 |
| Other real estate owned | $0 | 8,329 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $905,000 | 7,174 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $42,767,000 | 8,212 |
| Total liabilities | $40,583,000 | 7,974 |
| Total deposits | $39,302,000 | 7,911 |
| Interest-bearing deposits | $32,762,000 | 8,028 |
| Deposits held in domestic offices | $39,302,000 | 7,902 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,065,000 | 3,290 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $216,000 | 8,705 |
| Total equity capital | $2,184,000 | 10,654 |
| Total bank equity capital | $2,184,000 | 10,654 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $100,000 | 9,549 |
| Surplus | $1,900,000 | 5,804 |
| Undivided profits | $184,000 | 11,090 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $19,000 | 10,608 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $391,000 | 5,296 |
| Earning assets | $39,649,000 | 8,141 |
| Long-term assets (5+ years) | $7,385,000 | 4,952 |
| Average Assets, year-to-date | $41,786,600 | 8,228 |
| Average Assets, quarterly | $42,283,000 | 8,251 |
| Volatile liabilities | $5,402,000 | 6,459 |
| Insider loans | $951,000 | 3,839 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,385,000 | 8,434 |
| Tier 1 (core) risk-based capital | $2,582,000 | 10,190 |
| Tier 2 risk-based capital | $315,100 | 7,288 |
| Total risk weighted assets | $25,027,100 | 8,031 |
| Total unused commitments | $1,385,000 | 8,446 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 17 | 9,167 |
| Assets and Liabilities | ||
| Total Assets: | $41,031,000 | 8,691 |
| Cash and due from depository institutions | $1,295,000 | 9,167 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $14,725,000 | 7,495 |
| Federal funds sold & reverse repurchase agreements | $150,000 | 10,035 |
| Net loans & leases | $23,475,000 | 8,127 |
| Loan loss allowance | $481,000 | 6,545 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $800,000 | 7,015 |
| Other real estate owned | $0 | 9,167 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $586,000 | 8,637 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,031,000 | 8,691 |
| Total liabilities | $38,487,000 | 8,512 |
| Total deposits | $37,587,000 | 8,467 |
| Interest-bearing deposits | $31,927,000 | 8,499 |
| Deposits held in domestic offices | $37,587,000 | 8,461 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $665,000 | 3,065 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $235,000 | 8,603 |
| Total equity capital | $2,544,000 | 10,471 |
| Total bank equity capital | $2,544,000 | 10,471 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $100,000 | 10,031 |
| Surplus | $1,900,000 | 5,788 |
| Undivided profits | $544,000 | 10,729 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $39,000 | 10,767 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $351,000 | 5,264 |
| Earning assets | $38,350,000 | 8,595 |
| Long-term assets (5+ years) | $5,723,000 | 6,033 |
| Average Assets, year-to-date | $40,071,200 | 8,660 |
| Average Assets, quarterly | $40,000,500 | 8,766 |
| Volatile liabilities | $3,835,000 | 7,480 |
| Insider loans | $1,150,000 | 3,365 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,244,000 | 8,751 |
| Tier 1 (core) risk-based capital | $2,544,000 | 10,423 |
| Tier 2 risk-based capital | $299,190 | 7,609 |
| Total risk weighted assets | $23,752,990 | 8,370 |
| Total unused commitments | $1,244,000 | 8,779 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 18 | 9,137 |
| Assets and Liabilities | ||
| Total Assets: | $41,320,000 | 8,817 |
| Cash and due from depository institutions | $1,371,000 | 9,137 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $14,492,000 | 7,512 |
| Federal funds sold & reverse repurchase agreements | $775,000 | 9,378 |
| Net loans & leases | $23,268,000 | 8,227 |
| Loan loss allowance | $500,000 | 6,467 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $816,000 | 7,035 |
| Other real estate owned | $0 | 9,137 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $598,000 | 8,865 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $41,320,000 | 8,817 |
| Total liabilities | $38,632,000 | 8,687 |
| Total deposits | $37,743,000 | 8,643 |
| Interest-bearing deposits | $32,312,000 | 8,672 |
| Deposits held in domestic offices | $37,743,000 | 8,637 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $592,000 | 2,913 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $297,000 | 8,284 |
| Total equity capital | $2,688,000 | 10,248 |
| Total bank equity capital | $2,688,000 | 10,248 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $100,000 | 10,493 |
| Surplus | $1,900,000 | 5,709 |
| Undivided profits | $688,000 | 10,460 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $154,000 | 9,113 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $380,000 | 5,310 |
| Earning assets | $38,535,000 | 8,690 |
| Long-term assets (5+ years) | $7,104,000 | 5,383 |
| Average Assets, year-to-date | $41,596,800 | 8,638 |
| Average Assets, quarterly | $40,842,000 | 8,825 |
| Volatile liabilities | $3,635,000 | 7,818 |
| Insider loans | $38,000 | 7,591 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,363,000 | 8,374 |
| Tier 1 (core) risk-based capital | $2,688,000 | 10,192 |
| Tier 2 risk-based capital | $308,860 | 7,464 |
| Total risk weighted assets | $24,517,560 | 8,357 |
| Total unused commitments | $1,363,000 | 8,402 |
| Derivatives | $0 | 651 |