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| First City Bank and Trust Company |
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| General | FDIC Certificate #: 12148
Status: Inactive
Closing history: Office Sold
Acquiring institution: (#14876)
Federal Reserve ID: 622644
Date Established: 1880-01-01
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Interstate: No)
OTS Docket #: 9872
FDIC's unique #: 7717
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: 1934-01-01
Last Structure Change Effective Date: 2000-10-02
Last Structure Change Process Date: 2000-11-22
Last Data Update: 2000-11-22
Data Source Date: 2009-05-14 |
| Location | Address: South Virginia And 10th Streets, Hopkinsville, KY 42240
County: Christian
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Dallas
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Clarksville-Hopkinsville, TN-KY (#1660)
Core Based Statistical Area (CBSA): Clarksville, TN-KY (#17300)
CBSA Metro Statistical Area: Clarksville, TN-KY (#17300) |
| History of Changes | Merger - Without Assistance
Office Sold |
| Financial Summary | Total assets: $427.4 mil |
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 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) | 87.04% |
| 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 | $0 |
| Common stock | $1,000 |
| Surplus | $43,700 |
| Undivided profits | $3,193 |
| Memoranda |
| Noncurrent loans and leases | $96 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $20,080,710 |
| Income earned, not collected on loans | $1,818 |
| Earning assets | $361,136 |
| Long-term assets (5+ years) | $91,313 |
| Average Assets, year-to-date | $402,339 |
| Average Assets, quarterly | $402,029 |
| Volatile liabilities | $90,696 |
| Insider loans | $7,216 |
| FHLB advances | $0 |
| Loans and leases held for sale | $0 |
| Unused loan commitments | $50,873 |
| Tier 1 (core) risk-based capital | $28,123 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $257,157 |
| Total unused commitments | $50,873 |
| Restructured Loans and leases | $0 |
| Derivatives | $84 |
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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 | $431 |
| Cash dividends | $8,800 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,887 |
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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 | 47.80% |
| Assets per employee | $2,775 |
| Cash dividends to net income (YTD only) | 149.08% |
| Condition Ratios (%) |
| Loss allowance to loans | 1.06% |
| Loss allowance to noncurrent loans | 3101.04% |
| Noncurrent assets plus other real estate owned to assets | 0.03% |
| Noncurrent loans to loans | 0.03% |
| Net loans and leases to deposits | 94.23% |
| Net loans and leases to core deposits | 104.96% |
| Equity capital to assets | 11.82% |
| Core capital (leverage) ratio | 7.39% |
| Tier 1 risk-based capital ratio | 10.94% |
| Total risk-based capital ratio | 12.09% |
| Memoranda |
| Average assets | $402,339 |
| Average earning assets | $356,984 |
| Average equity | $266,866 |
| Average loans | $48,537 |
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Home Mortgage Disclosure Act Aggregated Statistics For Year 2000
(Based on 27 full tracts)
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| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) |
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| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
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| LOANS ORIGINATED | 111 | $85,432 | 72 | $74,931 | 66 | $10,364 | 2 | $17,000 | 34 | $28,529 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 13 | $46,154 | 7 | $58,429 | 3 | $5,333 | 0 | $0 | 2 | $38,000 |
| APPLICATIONS WITHDRAWN | 11 | $44,545 | 5 | $39,600 | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999
(Based on 23 full tracts)
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| B) Conventional
Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D) |
|---|
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
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| LOANS ORIGINATED | 128 | $75,031 | 105 | $70,733 | 140 | $12,186 | 60 | $38,950 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 22 | $88,318 | 5 | $54,400 | 4 | $4,500 | 5 | $253,200 |
| APPLICATIONS WITHDRAWN | 13 | $75,846 | 2 | $55,000 | 2 | $7,500 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 | 0 | $0 |
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