First State Bank in Greenville, Kentucky (KY)
Table of contents:
| First State Bank | |
|---|---|
| General | FDIC Certificate #: 2747 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution: Old National Bank (#4393) Federal Reserve ID: 521242 Date Established: June 10, 1890 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 11107 FDIC's unique #: 1785 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: January 01, 1934 Last Structure Change Effective Date: October 07, 1999 Last Structure Change Process Date: November 03, 1999 Last Data Update: November 03, 1999 Data Source Date: April 05, 2012 |
| Location | Address: 131 East Main Cross, Greenville, KY 42345 County: Muhlenberg Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Hopkinsville Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Central City, KY (#16420) CBSA Micro Statistical Area: Yes |
| Financial Summary | Total assets: $237.7 mil |
| Assets and Liabilities (December 31, 1998) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 72 |
| Total assets | $241,067 |
| Cash and due from depository institutions | $5,067 |
| Interest-bearing balances | $15 |
| Securities | $70,582 |
| Federal funds sold & reverse repurchase agreements | $16,925 |
| Net loans & leases | $143,580 |
| Loan loss allowance | $1,497 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,213 |
| Other real estate owned | $33 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,667 |
| Life insurance assets | $0 |
| Total liabilities and capital | $241,067 |
| Total liabilities | $222,583 |
| Total deposits | $175,201 |
| Interest-bearing deposits | $155,963 |
| Deposits held in domestic offices | $175,201 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $7,712 |
| Trading liabilities | $0 |
| Other borrowed funds | $36,891 |
| Subordinated debt | $0 |
| All other liabilities | $2,779 |
| Total equity capital | $18,484 |
| Total bank equity capital | $18,484 |
| Perpetual preferred stock | $18,484 |
| Common stock | $0 |
| Surplus | $2,000 |
| Undivided profits | $8,000 |
| Memoranda | |
| Noncurrent loans and leases | $8,484 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $0 |
| Earning assets | $618 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $990 |
| Average Assets, quarterly | $231,102 |
| Volatile liabilities | $74,840 |
| Insider loans | $218,964 |
| FHLB advances | $228,849 |
| Loans and leases held for sale | $55,199 |
| Unused loan commitments | $9,797 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $0 |
| Total risk weighted assets | $0 |
| Total unused commitments | $14,573 |
| Restructured Loans and leases | $0 |
| Derivatives | $133,405 |
| Income and Expense (December 31, 1998) (Dollar figures in thousands) | |
| Total interest income | $15,908 |
| Total interest expense | $7,938 |
| Net interest income | $7,970 |
| Provision for loan and lease losses | $134 |
| Total noninterest income | $1,715 |
| Fiduciary activities | $39 |
| Service charges on deposit accounts | $887 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $789 |
| Total noninterest expense | $5,400 |
| Salaries and employee benefits | $2,782 |
| Premises and equipment expense | $200 |
| Additional noninterest expense | $2,418 |
| Pre-tax net operating income | $4,151 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $1,120 |
| Income before extraordinary items | $3,031 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $3,031 |
| Net charge-offs | $0 |
| Cash dividends | $0 |
| Sale, conversion, retirement of capital stock, net | $134 |
| Net operating income | $3,275 |
| Performance and Condition Ratios (December 31, 1998) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 7.56% |
| Cost of funding earning assets | 3.77% |
| Net interest margin | 3.79% |
| Noninterest income to earning assets | 0.82% |
| Noninterest expense to earning assets | 2.57% |
| Net operating income to assets | 1.38% |
| Return on assets (ROA) | 1.38% |
| Pretax return on assets | 1.90% |
| Return on equity (ROE) | 16.53% |
| Retained earnings to average equity (YTD only) | -1.33% |
| Net charge-offs to loans | 0.10% |
| Credit loss provision to net charge-offs | 100.00% |
| Efficiency ratio | 31.98% |
| Assets per employee | $55,756 |
| Cash dividends to net income (YTD only) | 3.35% |
| Condition Ratios (%) | |
| Loss allowance to loans | 108.05% |
| Loss allowance to noncurrent loans | 1.03% |
| Noncurrent assets plus other real estate owned to assets | 242.23% |
| Noncurrent loans to loans | 0.27% |
| Net loans and leases to deposits | 0.43% |
| Net loans and leases to core deposits | 81.95% |
| Equity capital to assets | 97.62% |
| Core capital (leverage) ratio | 7.67% |
| Tier 1 risk-based capital ratio | 7.82% |
| Total risk-based capital ratio | 13.29% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $218,964 |
| Average equity | $18,334 |
| Average loans | $210,352 |
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