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Whitaker Bank

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Whitaker Bank Locations

Deposit Rates - May 21, 2022

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.17% $10,000 Compare
6 Mo CD
0.17% $100,000 Compare
12 Mo CD
0.30% $10,000 Compare
12 Mo CD
0.30% $100,000 Compare
18 Mo CD
0.35% $10,000 Compare
18 Mo CD
0.35% $100,000 Compare
24 Mo CD
0.40% $10,000 Compare
24 Mo CD
0.40% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.55% $100,000 Compare
48 Mo CD
0.80% $10,000 Compare
48 Mo CD
0.80% $100,000 Compare
60 Mo CD
1.15% $10,000 Compare
60 Mo CD
1.15% $100,000 Compare
MM RATES APY MIN
Money Market
0.15% $2,500 Compare
Money Market
0.17% $10,000 Compare
Money Market
0.17% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.07% $2,500

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32912
Date Established 1990
Assets $ 2.06 billion
Loans $ 839.97 million
Deposits $ 1,705.89 million
Capital $ 254.24 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 105.15 million
Interest-bearing balances $ 69.68 million
Total securities $ 1,035.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 839.97 million
Loan loss allowance $ 15.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 5.05 million
Goodwill and other intangibles $ 23.25 million
All other assets $ 27.95 million
     Total Assets $ 1,809.16 million

LIABILITIES
Total deposits $ 1,705.89 million
      Interest-bearing deposits $ 1,182.23 million
      Deposits held in domestic offices $ 1,705.89 million
      % insured (estimated) 74.75%
Federal funds purchased and repurchase agreements $ 100.18 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 3.10 millionn
      Total Liabilities $ 1,809.16 million
      Shareholders’ Equity $ 254.24 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 56.28 million
Total Interest Expense $ 2.51 million
Net interest income $ 53.77 million
Provision for loan and lease losses N.A.
Total non interest income $ 14.41 million
Total non interest expense $ 50.18 million
Pre-tax Net Operating Income $ 18.00 million

Whitaker Bank is an FDIC insured institution headquartered at 2001 Pleasant Ridge Dr, Lexington, KY 40509.
It was founded in 1990 and has approximately $2 billion in assets. Customers can open an account at one of its 37 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    Whitaker Bank
    Bank
    KENTUCKY
    $50,000
    6 Month
    0.17%
    0.63x (National Avg. - 0.27%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.17%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 85 60
    2 50,085 85 60
    3 50,170 85 60
    4 50,255 85 60
    5 50,341 86 60
    6 50,426 86 60
    7 50,512 86 60
    8 50,598 86 60
    9 50,684 86 60
    10 50,770 86 60
    11 50,857 86 61
    12 50,943 87 61
    13 51,030 87 61
    14 51,116 87 61
    15 51,203 87 61
    16 51,290 87 61
    17 51,377 87 61
    18 51,465 87 61
    19 51,552 88 61
    20 51,640 88 61
    TOTAL $1,728 $1,209
  • 2
    ONLINE CD
    Citizens Access , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    1.30%
    3.23x (National Avg. - 0.40%)
    $5,000
    -
    SCENARIO
    Year Rate
    1.30%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317


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