First City Bank and Trust Company in Hopkinsville, Kentucky (KY)
Table of contents:
| Assets and Liabilities (December 31, 1999) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 146 |
| Total assets | $405,167 |
| Cash and due from depository institutions | $14,026 |
| Interest-bearing balances | $144 |
| Securities | $83,369 |
| Federal funds sold & reverse repurchase agreements | $435 |
| Net loans & leases | $277,188 |
| Loan loss allowance | $2,977 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $5,895 |
| Other real estate owned | $35 |
| Goodwill and other intangibles | $20,069 |
| All other assets | $4,150 |
| Life insurance assets | $0 |
| Total liabilities and capital | $405,167 |
| Total liabilities | $357,274 |
| Total deposits | $294,163 |
| Interest-bearing deposits | $235,601 |
| Deposits held in domestic offices | $294,163 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $40,336 |
| Trading liabilities | $0 |
| Other borrowed funds | $20,421 |
| Subordinated debt | $0 |
| All other liabilities | $2,354 |
| Total equity capital | $47,893 |
| Total bank equity capital | $47,893 |
| Perpetual preferred stock | $47,893 |
| Common stock | $0 |
| Surplus | $1,000 |
| Undivided profits | $43,700 |
| Memoranda | |
| Noncurrent loans and leases | $3,193 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $50,873 |
| Income earned, not collected on loans | $0 |
| Earning assets | $96 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $1,818 |
| Average Assets, quarterly | $361,136 |
| Volatile liabilities | $91,313 |
| Insider loans | $402,339 |
| FHLB advances | $402,029 |
| Loans and leases held for sale | $90,696 |
| Unused loan commitments | $7,216 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $50,873 |
| Restructured Loans and leases | $0 |
| Derivatives | $2,977 |
| Income and Expense (December 31, 1999) (Dollar figures in thousands) | |
| Total interest income | $27,462 |
| Total interest expense | $12,404 |
| Net interest income | $15,058 |
| Provision for loan and lease losses | $170 |
| Total noninterest income | $4,953 |
| Fiduciary activities | $1,166 |
| Service charges on deposit accounts | $2,247 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,540 |
| Total noninterest expense | $10,754 |
| Salaries and employee benefits | $4,596 |
| Premises and equipment expense | $1,352 |
| Additional noninterest expense | $4,806 |
| Pre-tax net operating income | $9,087 |
| Securities gains (losses) | $24 |
| Applicable income taxes | $3,208 |
| Income before extraordinary items | $5,903 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $5,903 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $431 |
| Net operating income | $8,800 |
| Performance and Condition Ratios (December 31, 1999) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 7.69% |
| Cost of funding earning assets | 3.47% |
| Net interest margin | 4.22% |
| Noninterest income to earning assets | 1.39% |
| Noninterest expense to earning assets | 3.01% |
| Net operating income to assets | 1.46% |
| Return on assets (ROA) | 1.47% |
| Pretax return on assets | 2.26% |
| Return on equity (ROE) | 12.16% |
| Retained earnings to average equity (YTD only) | -5.97% |
| Net charge-offs to loans | 0.16% |
| Credit loss provision to net charge-offs | 39.44% |
| Efficiency ratio | 21.48% |
| Assets per employee | $47,799 |
| Cash dividends to net income (YTD only) | 2.78% |
| Condition Ratios (%) | |
| Loss allowance to loans | 149.08% |
| Loss allowance to noncurrent loans | 1.06% |
| Noncurrent assets plus other real estate owned to assets | 3101.04% |
| Noncurrent loans to loans | 0.03% |
| Net loans and leases to deposits | 0.03% |
| Net loans and leases to core deposits | 94.23% |
| Equity capital to assets | 104.96% |
| Core capital (leverage) ratio | 11.82% |
| Tier 1 risk-based capital ratio | 7.39% |
| Total risk-based capital ratio | 10.94% |
| Memoranda | |
| Average assets | $12 |
| Average earning assets | $402,339 |
| Average equity | $48,537 |
| Average loans | $356,984 |
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