American Fidelity Bank, FSB in Harlan, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 11, 1996

  • American Fidelity Bank, FSB in Harlan, Kentucky (KY)
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American Fidelity Bank, FSB - Overview

  • General
  • FDIC Certificate #: 31758
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: National City Bank of Kentucky (#2756)
    Federal Reserve ID: 116479
    Date Established: January 01, 1923
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7429
    FDIC's unique #: 44592
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: June 24, 1975
    Last Structure Change Effective Date: April 11, 1996
    Last Structure Change Process Date: June 07, 1996
    Last Data Update: March 14, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 Cumberland Avenue P O Box 310, Harlan, KY 40831
    County: Harlan
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $35.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $18Total assets
  • $34,830Cash and due from depository institutions
  • $2,597Interest-bearing balances
  • $1,506Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $12,319Net loans & leases
  • $15,702Loan loss allowance
  • $127Trading account assets
  • $0Bank premises and fixed assets
  • $1,547Other real estate owned
  • $10Goodwill and other intangibles
  • $678Life insurance assets
  • $1,977All other assets
  • $0Total liabilities and capital
  • $34,830Total liabilities
  • $30,651Total deposits
  • $30,087Interest-bearing deposits
  • $29,181Deposits held in domestic offices
  • 30087.00%% insured (estimated)
  • $100Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $564Total equity capital
  • $564Total bank equity capital
  • $4,179Perpetual preferred stock
  • $0Common stock
  • $125Surplus
  • $4,451Undivided profits
  • Memoranda
  • $-397Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $36Income earned, not collected on loans
  • $156Earning assets
  • $29,527Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $31,243Average Assets, quarterly
  • $33,140Volatile liabilities
  • $2,724Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $171Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,202Total risk weighted assets
  • $15,631Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $802Total interest expense
  • $692Net interest income
  • $110Provision for loan and lease losses
  • $22Total noninterest income
  • $437Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $437Total noninterest expense
  • $1,107Salaries and employee benefits
  • $374Premises and equipment expense
  • $188Additional noninterest expense
  • $545Pre-tax net operating income
  • -$582Securities gains (losses)
  • $0Applicable income taxes
  • -$185Income before extraordinary items
  • -$397Extraordinary gains - net
  • $0Net income attributable to bank
  • -$397Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 2.97%Cost of funding earning assets
  • 2.56%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 1.62%Noninterest expense to earning assets
  • 4.10%Net operating income to assets
  • -1.27%Return on assets (ROA)
  • -1.27%Pretax return on assets
  • -1.86%Return on equity (ROE)
  • -9.66%Retained earnings to average equity (YTD only)
  • -9.66%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 193,053Assets per employee
  • 1.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 352.78%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 52.19%Net loans and leases to core deposits
  • 57.38%Equity capital to assets
  • 12.00%Core capital (leverage) ratio
  • 6.70%Tier 1 risk-based capital ratio
  • 14.09%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $31,243Average earning assets
  • $4,112Average equity
  • $27,017Average loans

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